Adventure Checking Account
No fees or minimums. No monthly requirements.
- Non-interest bearing account
- Free debit card
- Easy access with digital banking
A Simple Account for Everyday Spending
Take Advantage of Adventure Checking.
Adventure Credit Union is proud to offer our free Adventure Checking account to help promote your financial well-being. Instead of dinging you with fees like a bank, we empower you to make the most of your money.
- Free Debit Card with optional round-up savings program
- Access to 30,000+ Surcharge-free ATMs
- No monthly fees or minimum balance
- Non-interest bearing. No monthly requirements.
Free checking opens up opportunities for Michigan members in Grand Rapids, Lansing and beyond.
Spare Change
- Feel good about saving money consistently when you pair an Adventure Checking account with our Spare Change round-up savings program. Every time you use your Adventure debit card the purchase total will be rounded up to the nearest dollar and the spare change is automatically deposited into a separate account that earns 6.00% APY*. Digital Banking gives you complete control to access your Spare Change funds or pause the round-up any time.
Online Services
- Whether you are at home or on the go, you will enjoy the convenience of our digital services:
Debit Card
- MasterCard™ Debit Card accepted worldwide
- No monthly maintenance or transaction fees
- Instant issue available at Adventure branches
ATM Access and Banking Services
- Unlimited withdrawals at Adventure ATMs
- 4 free ATM transactions per month at non-Adventure CU ATMs
- Surcharge-free ATM withdrawals nationwide through the CO-OP Network
ID Safe Choice
- Protect against identity theft for only $1.75 per month
PROTECT YOUR ADVENTURE CHECKING AGAINST DECLINED TRANSACTIONS
Don't risk the hassle, expense, and embarrassment of a declined card transaction due to insufficient funds.
Step 1: Link your Adventure checking account with an Adventure Savings account or Personal Line of Credit. In the event of an overdraft, money will automatically transfer from your linked account to cover the transaction in your checking account. There is a $5 fee per overdraft transfer.
Step 2: If you do not have sufficient funds in your linked account to cover your transaction, Courtesy Pay may be available, if you request it. Call or text us today at 800-323-2129 to check your Courtesy Pay status or to enroll your account.
With your consent, Courtesy Pay will cover:
- Written checks
- Scheduled/recurring debit transactions
- One-time debit card transactions
- ATM withdrawals
Courtesy Pay is subject to a $35 fee per transaction.
If you are not yet a member of Adventure Credit Union, you are still welcome to apply for an Adventure Checking account. We can easily process your application for Adventure Checking and membership at the same time. Don't worry, our online application is secure, and it only requires a $5 deposit to your new accounts.
Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the State of Michigan.
Have questions for us? Click the "Chat with Us!" button between 9am - 5pm, Monday - Friday. Or call us after-hours at 800.323.2129.
Who is Adventure Credit Union?
Adventure Credit Union is a trusted financial guide for people who live, work, worship, or attend school in the Greater Grand Rapids and Lansing communities. We are a not-for-profit, owned by our depositors with a mission of putting people first. We serve more than 30,000 credit union members and manage over $430 million in assets. Being locally owned and operated gives us insight into the personal financial decisions families and small businesses face every day. We provide affordable, high quality, and consumer-friendly banking services that help people live the lives they want to live.
How do I join?
If you'd like to open an Adventure Checking account, we suggest following these steps.
- Apply for membership; be sure to select "Adventure Checking" from the "Available Products" section on page one.
- Wait for us to respond via email
- We'll walk you through opening your new membership
Secure 24/7 access to your money.
Frequently Asked Questions
Ready to order checks? You can do so by logging into your online banking and selecting More Services. Or you can connect with one of our helpful team members to assist you with your order.
Adventure Credit Union provides multiple layers of protection to ensure you have the purchasing power you deserve all year long. The first line of defense is allowing overdraft transfers from a share account or line of credit. The next line of defense is Courtesy Pay.
Changes in federal regulations require Adventure to receive your consent before we cover overdrafts on items such as everyday debit and ATM transactions. If you have not told us that you want your overdrafts covered, you run the risk of having your debit card declined when you need it most. However, by giving us your consent, you will enjoy peace of mind knowing your credit union will pay your transaction in the event of an overdraft up to an approved limit for a fee. Call our Contact Center today at 800-323-2129 to enroll your account or stop into your local branch.
Yes! Select the appropriate account inside the Online or Mobile Banking. In the transaction history, locate the check transaction you wish to view and click on the check icon image. Depending on how the payee cashed or processed the check, not all checks may have an image.
Without parental approval, the legal age to open a checking account is 18. If you would like to open a checking for a minor, a form must be signed by both the minor and the parent or guardian on the account. To sign this form, stop into your local branch. Have additional questions? Give us a call or text at 800-323-2129.
To set up direct deposit you will need to give your employer or payroll provider our routing number (272480432) and your Adventure savings or checking account number. If you're employer requires a direct deposit form, stop into your local branch or give us a call at 800.323.2129 option 6 and we can provide you a form.
Yes, Adventure debit cards are compatible with ApplePay, Google Pay, and Samsung Pay. Just follow the enrollment instructions for your digital wallet of choice.
*These are dividend earning accounts. Dividends are calculated using the Daily Interest Method on the full amount of principal in the account and are paid on calendar quarters. The Board of Directors declares the dividend rate to be paid each quarter based on the profits of the credit union. The rates may change quarterly. If these accounts are closed during the dividend period, the dividend will be forfeited. Fees, if applicable, may reduce the earnings on these accounts. The stated dividend rate on these accounts is for the quarterly period ending September 30, 2024.