Rise Checking Account
A Fresh Start for Your Financial Journey
- Free debit card
- Rebuild your financial standing
- $5 monthly fee*
This way forward
Rise Checking is a second-chance account for people who want to leave yesterday's struggles behind and establish positive money habits moving forward.
Rise Checking Benefits
- Low monthly fee of $5 (waived for active users of Banzai)*
- Fee is waived for completing short, monthly Banzai courses. Many modules are less than 10 minutes per month; there may be a few that go up to 15 minutes.
- Members will save money, even with a $5 fee, because they won’t have to do things like purchase cashier’s checks or money orders to pay their bills (they can use bill pay), and they’ll have a debit card so they won’t have to pay for a reloadable card or ATM cash withdrawals. If they handle the account well, they can move to a fee-free checking account in 9-12 months.
- No Fees for Non-Sufficient Funds, Overdraft Transfer, or Dormant Account
- Free MasterCard debit card
- Mobile Check Deposit is available immediately
- ATM deposit capabilities**
Rise Checking Restrictions
- Not eligible for Courtesy Pay
- Not eligible for personal checks
- eStatements are required
Spare Change
- Feel good about saving money consistently when you pair a Rise 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
- Whether you live in Grand Rapids, Lansing, or other parts of Michigan, you will enjoy the convenience of our digital services:
Boost Your Credit Score
- Sign up for our free Credit Sense program
- Get daily updates on your credit score
- Get actionable insights to improve your score
- Get free credit monitoring and alerts
Free Money Management Tools
- Download our Card Controls app from the Apple App Store or Google Play Store.
- Use My $ Snapshot to create budgets
- Use My $ Snapshot to create goals and track your progress
Nationwide ATM Access
- 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
Identity Theft Protection
- Protect against identity theft with ID Safe Choice for only $1.75 per month
If you are not yet a member of Adventure Credit Union, you are still welcome to apply for a Rise Checking account. We can easily process your application for Rise 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, Ionia, and Lansing communities. We are a not-for-profit, owned by our depositors with a mission of putting people first. 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 a Rise Checking account, we suggest visiting of our 10 Michigan branch locations.
Click the credit score widget in digital banking.
*Fee is waived for completing short, monthly Banzai courses.
**No check or envelope deposits at non-Adventure ATMs.
If a member consistently keeps their Rise Checking account in good-standing, they may qualify for a less restrictive checking account; subject to application and approval.