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Adventure Checking

Totally free, completely satisfying.


  • Truly Free Checking
    Truly Free Checking

    There's no monthly service or minimum balance requirement.

  • Vast ATM Network
    Vast ATM Network

    Surcharge-free withdrawals from 30,000+ ATMs nationwide.

  • Convenient Access
    Convenient Access

    Manage your money through Online Banking, Mobile Banking and Bill Pay.

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Power in the palm of your hand
Mobile Banking
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Free yourself of nuisance fees with the checking account that fits you.

Take Advantage of Adventure Checking.

Turns out there's still such a thing as free checking. With so many banks tacking restrictive fees on their accounts, free checking is nothing to take for granted.

We're proud to offer Adventure Checking as a reflection of our investment in your financial well-being. You are empowered to make the most of your money, rather than getting nickel-and-dimed at every turn.

Free checking opens up opportunities for Michigan members in Grand Rapids, Lansing and beyond.

Balancing your checkbook is easy with our Checkbook Balancer Calculator, click here.

For more information and to order checks, visit the Benefits section below.

Spare Change
  • MasterCard™ Debit Card purchase totals are rounded to the nearest dollar and the extra change is automatically deposited into your Spare Change Savings account
Online Services
Debit Card
  • MasterCard™ Debit Card accepted worldwide
  • No monthly maintenance or transaction fee
  • Instant issue available
  • AMPRE Debit Cash Rewards
  • Accepted worldwide
Check Orders
ATM Access and Banking Services
  • Four free ATM transactions per month at non-Adventure CU ATMs
  • Surcharge-free withdrawals through CO-OP and Fifth Third Bank ATMs
  • Free in-branch banking services through CO-OP Shared Branches
ID Safe Choice
  • Protect against identity theft for only $1.75 per month
Courtesy Pay
  • Covers payments when your Debit Card is declined.  Read more.

Whether or not you use physical checks, it’s a good idea to keep a record of your transactions, which is what most people mean when they say “checkbook.” That’s just the form that has been used for the last several decades, so the terminology has stuck.

In an age of online banking and smartphone apps, many people no longer bother to balance or reconcile their checking accounts. But, staying on top of your balance and transaction activity will help you avoid fees, avoid fraud, and better manage your money.

How to Keep Track of Your Balances

Just get started. Record things as they happen. Find your method that works and stick to it. If you haven’t been balancing your checkbook, you need to start somewhere. Begin today by recording what left your checking account(ATM withdraws, auto deduction for utilities, debit card purchase, etc.),or entered(paycheck deposits, etc.) your account, and, what is pending on your account. Here are some helpful tips to keep track of your money:

Keep your own records: Each time you make a transaction, record it and keep a running balance in your transaction register or whatever you are using. Adding deposits and recording all withdrawals, including checks, ATM withdrawals, debit card purchases, and automatic bill payments, helps ensure that your records are accurate and aids in balancing your account.

Monitor your transaction activity: By reviewing your transaction history with some frequency (daily, weekly or monthly), you can be sure that you have recorded all of your transactions. By monitoring your account, you gain a better understanding of your balances and your pending and posted transactions. When checking your transaction activity and balance through any Adventure Credit Union service such as ONLINE Banking, MOBILE Banking, ATM inquiry, or by phone, remember to subtract any transactions that you have initiated that have not posted to your account to know how much you have available to spend or withdraw. You are responsible for handling your Adventure checking account wisely and not spending more money than you really have.

Know your account balance: Before making a purchase, using your debit card, writing a check, or making a withdrawal, check your account balance. Checking your account balance helps ensure that you have enough funds available before you spend. Many members set up balance alerts on their accounts through ONLINE Banking or MOBILE Banking.