Edge Checking Account
Earn up to $400/year with high-yield checking
- Earn 4.00% APY* on balances up to $10,000
- No monthly fees or minimum balance
- Easy access with digital banking
Earn up to $400/year when you meet simple monthly requirements
Gain the Edge
Adventure Credit Union's Edge Checking functions just like a traditional FREE checking account. The Edge comes with the 4.00% APY* you earn on balances up to $10,000, by simply meeting monthly requirements.
- Earn up to $400/years in dividends*
- Free Debit Card with optional round-up savings program
- Access to 30,000+ Surcharge-free ATMs
- No minimum balance requirements
- No monthly fees even if requirements aren't met
Monthly Requirements:
- 20+ posted debit card transactions (signature or pin)
- Receive a direct deposit of $100 or more
- Receive eStatements
- Login to Online or Mobile Banking at least once
The Edge Checking dashboard in digital banking makes it easy to track your progress on these monthly requirements. Even if you don't meet the requirements, there are no fees or penalties to worry about!
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 live in Grand Rapids, Lansing, or other parts of Michigan, 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
- 10 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
Courtesy Pay
- Covers your debit card payments up to an approved amount when your Edge Checking has insufficient funds. Contact us to learn more.
PROTECT YOUR EDGE 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 Edge 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 Edge Checking account. We can easily process your application for Edge 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. After-hours, please call us 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 Edge Checking account, we suggest following these steps.
- Apply for membership; be sure to select "Edge 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.
Outstanding customer service, the best I have ever experience!
*APY = Annual Percentage Yield. Rate valid as of 11/23/2024 and is subject to change without notice. 4.00% APY is paid on balances up to $10,000 provided the following qualifiers are met each monthly qualification cycle: 1) Twenty or more debit card purchases must post by 8:00 pm the last day of the month (these exclude ATM transactions); 2) An ACH/Direct Deposit of at least $100 per single deposit must post and clear the account (internal transfers excluded); or complete at least one Remote Deposit Capture deposit of at least $100 per single deposit through Mobile Banking within the last 30 days; 3) You must receive eStatements (no paper statements); 4) Must login to Online or Mobile Banking at least once. If qualifiers are not met, 0.00% APY will be paid on all balances. Limit one account per individual. Personal accounts only. Primary account holder must be at least 18 years of age. Fees could reduce earnings.