Earn*
monthly dividends on your checking deposits.
24/7 Access
with free Online Banking and Mobile App.
eStatements
Save money by going paperless!
30,000 ATMs
Access to 30,000+ surcharge-free ATMs.
Life in the fast lane? We know what that's like.
Open an account that's ready to go whenever you are.
Our hassle-free checking account gives you easy access to cash, tons of free services, and no fees. Better yet, we pay you money each month to enjoy it all.
Checking Rates Test
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Premium Rate | ||
| $0.01 - $20,000.00 | 1.00% | 0.99% |
| Standard Rate | ||
| 20,000.00+ | 0.10% | 0.10% |
Access At Your Fingertips
- 24/7 access
- Get paid up to 2 days early**
- Remote deposits – deposit checks from your couch
- Transfer money in real-time or schedule it
- Locate branches and ATMs
- Send and receive money with Zelle®
- Pay bills or stop payments
- Schedule an in-person appointment
*Dividends: Interest is compounded and credited monthly. Requires eStatements, six (6) debit card transactions per month and a minimum of $500 directly deposited to your account each month.
**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
★★★★★
I opened both checking and savings accounts at the Excite Credit Union. The two ladies who assisted me were
extremely nice. I think they were the 'friendliest tellers' I've ever dealt with anywhere in my 50+ years of banking.
In my opinion, Excite offers the 'best rate' on checking accounts. They also have excellent CD rates, which I'll be
taking advantage of soon, as well as competitive loan rates.
~ Richard T. , Sunnyvale, CA
Questions About Excite Checking Accounts?
No. There are no fees for our Go Checking account. We wouldn’t do that to you. You’ve got too many other fun things to spend your money on.
No. You can use more than 30,000 surcharge-free ATMs across the country. So no matter where you go, you'll have easy access to your cash.
You need to be 18 to open either a Go Checking or a Fresh Start Checking account. But the good news is you don’t need to be old enough to vote to open up one of our Youth accounts. If you’re between 12 to 20 and want a reliable way to manage your money, our Youth account is perfect for you.
If you’re already a member, you can click on Open Additional Account or call us at 800.232.8669, 5 am to 6 pm PT Monday through Friday or Saturday 6 am to 2 pm PT. You can also stop by any financial center during regular business hours.
Yes. But you should join us. We’re different from the other banks and credit unions. We like to think we’re fun… for a credit union.
You can easily apply online or stop by an Excite financial center to join in person and open any accounts you want.