Checking Accounts

Excite offers one of the best checking account options around.


Why make things complicated? Our Go Checking is designed to be simple and made for the modern lifestyle. Not quite 18? Our Youth Checking is right where you want to be—online, on your phone, or on the go!

Go Checking

Clean, simple, and smart. Get going with Go Checking!

Apply NowLearn More

Youth Checking

Pay for this term's tuition or treat yourself to Tuesday tacos.

Apply NowLearn More

Enjoy these features with every checking account

Visa® Debit Card

Free Visa® debit card for convenient shopping.

Mobile Banking

24/7 access with free Online Banking and Mobile App.

Unlimited ATM Use

Access to 30,000+ surcharge-free ATMs.

Electronic Bill Pay

Tap into your accounts anytime, anywhere.

Compare our checking accounts side-by-side

Best For
Everyday checking needs for those on the go.
Youth ages of 13 to 17 who want a reliable way to manage money.
Monthly Fee
Pays Dividends
Minimum Opening Deposit


I have been a member for over 29 years and have used the Curtner Branch on hundreds of occasions. I have a majority of my business there, including my checking account and auto loans in the past. I have always found the staff there to be friendly, helpful, and knowledgeable. Since my checking is free, I figure I've saved thousands of dollars over the years--money that would've gone to some big bank had I not discovered the credit union years ago.

- Daniel J., San Jose, CA

Not sure what's best for you? We can help.

Have you been restricted from opening a checking account due to poor credit? We got you! The Fresh Start Checking account is designed for those who need a second chance. Learn more.

For a simple solution to meet the needs of new account-holders or those looking for a basic no overdraft option, our BankOn Checking accounts include free online banking and mobile deposits. Bank On” Approved – Meets the national CFE Fund’s standards for safe and affordable transaction accounts.  Learn more.


Contact us and we can run through your needs and the many options we have available.

Join our community

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.