Checking | Together Credit Union
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CHECKING ACCOUNTS

Smart, convenient options that put you in control.

Convenience and Security at Your Fingertips

Your checking account is the heart of your daily financial life—helping you confidently track spending, manage payments, and access your money easily and securely.

If it can do all that, minimize fees, and help you achieve your financial goals? That’s why we’re your credit union.

All Together Credit Union Checking Accounts include:

  • Secure online banking and top-rated mobile app
  • Easy electronic direct deposit and mobile deposit
  • Free bill pay and personal budgeting tools
  • Chip-enabled Visa debit card with tap-to-pay
  • Real-time card controls—turn your card on/off, set custom spending limits and alerts
  • Access to over 30,000 fee-free ATMs nationwide – more than almost any bank

Achieve It Checking1 (most popular)

Free checking with optional round-up savings & match!

  • No minimum balance or monthly fee
  • Choose standard or STL CITY SC debit card
  • Option to round up debit purchases to savings
  • Build your savings faster with up to $8/mo round up savings match1
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High Interest Checking2

High-yield checking for higher balances.

  • Earn up to 5.00% APY* on balances up to $25,000 (then 0.20% APY for additional balances over $25,000)
  • High-yield rate requires 15+ debit transactions, direct deposit and eStatements.
  • No monthly fee with $1,000+ daily balance (otherwise $5/mo)2
  • Choose standard or STL CITY SC debit card
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Give Back Checking3

Support St. Louis Zoo and get membership rewards!

  • Support St. Louis Zoo with every swipe
  • Includes complimentary Zoo Annual Membership
  • Exclusive Sea Lion debit card and plush
  • No monthly fee, no minimum balance
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MyFit Access

Prepaid-like debit card account

  • No overdraft – cannot spend more than the balance
  • No monthly fees or transaction fees
  • Use MyFit card anywhere Visa debit is accepted
  • Manage funds easily with Online/Mobile banking and bill pay
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Debit Card Features

Secure tech meets convenient access

  • Customize spending limits and text alerts
  • Over 30,000 fee-free ATMs nationwide
  • Tap-to-pay and digital wallet compatible
  • Free with any checking account
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Card Management

Learn more about tools to help keep your debit card secure.
Learn More

Checking Rates

See our latest rates to help your money work harder for you.
See Rates

Why Together CU?

How does Together CU help you achieve more? It starts with a mission that puts our members first, nationwide convenience, and relationships that last a lifetime.
How Together Helps You Grow

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Disclosure
*APY=Annual Percentage Yield. Rates on variable deposit accounts such as savings, checking, and money market are subject to change after the account is open. APY is accurate as of 6/1/2025. Fees and withdrawals may reduce earnings. Membership eligibility required. Other rates and terms available. For additional details, see complete Service Charge and Fee schedule, stop by a local branch or call our Member Contact Center at 800-325-9905.

1-Achieve It Checking: Round-Up Savings account feature is optional; when active, debit card purchases will be rounded up to the next dollar and the difference transferred into the selected savings account. Qualifying accounts will receive a monthly savings match deposit equal to the previous month's total round-up savings transactions, up to $8.00 per month. To be eligible for each month's savings match, the following conditions must be met for the Achieve It Checking account as of the last day of the month: 1) Round-Up Savings active 2) At least 25 debit card transactions posted 3) At least one direct deposit/ACH deposit posted 4) enrolled in eStatements.

2-High Interest Checking: Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 6/1/2025. Rates subject to change without notice. A monthly $5.00 fee will be charged if ADB falls below $1,000. To meet monthly qualification for high interest rate you must 1) make at least 15 Debit Card purchases that post and settle your account 2) have one ACH Credit or Direct Deposit post to your account 3) be enrolled in E-Statements. Balances $0 to $25,000 earn 5.00% APY; additional balances $25,000.01 and above earn standard APY (0.20%).


3-Give Back Checking: Benefits subject to change. Round-Up donation program is required; program will round up the amount of any debit card purchases associated with your checking account to the next whole dollar amount and the difference transferred into a separate donor account. Please reference the Credit Union's Truth In Savings Disclosures for further details regarding the Round Up Program.