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Edge Checking

High-yield and free, with advantages.


  • 4% APY*
    4% APY*

    Earn this rate on balances up to $10,000.

  • Hassle-Free Checking
    Hassle-Free Checking

    There’s no monthly fee or minimum balance requirement.

  • Online Services
    Online Services

    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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There’s a Better Way to Manage Daily Finances – One That Prioritizes You.

Gain The Edge

Too many banks treat checking accounts as an afterthought, tacking on fees and adding obstacles that slow you down. Adventure Credit Union understands the value of providing free checking with all the convenience your busy life demands.

Edge Checking functions just like a traditional FREE checking account.  The edge comes with the 4% APY you earn on balances up to $10,000, by simply meeting monthly requirements.  If you don't meet the requirements, your Edge Checking functions as you'd expect your free checking would, no fees and easy access.   Everything about our Edge Checking is tailored to you, from the Debit Card with rewards to surcharge-free ATM access to unlimited check-writing and special loan discounts.

Our high-yield checking account is ideal for Michigan residents in Grand Rapids, Lansing and beyond who are ready to move forward.

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

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

Loan Discount
  • .25% APR** rate discount on consumer loans when you use Edge Checking
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
  • Prewards® coupons
  • Accepted worldwide
Check Orders
ATM Access and Banking Services
  • 10 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
Courtesy Pay
  • Covers payments when your Debit Card is declined. Read more.

**The .25% APR (Annual Percentage Rate) Loan Rate discount excludes Mortgages, HELOCS, Craft Loans, Member Business Loans, and Adventure Credit Union VISA cards.

  • Set up Direct Deposit of at least $100
  • 20 or more Debit Card transactions, signature and/or PIN
  • Receive eStatements
  • Log in to Online or Mobile Banking at least once
ATM Networks 

As a member of Adventure Credit Union, you have access to any Adventure Credit Union ATM, click here for locations, along with surcharge free access at CO-OP Network ATMs and at Fifth Third Bank ATMs. We have relationships with CO-OP Network and Fifth Third Bank which provides surcharge free withdrawal access to an extended network of ATMs throughout the United States and Canada. 

Locate Adventure Credit Union ATMs in Grand Rapids and Lansing
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CO-OP ATM Network:
Adventure Credit Union is a member of the CO-OP ATM network which means as a member of Adventure Credit Union, you can use nearly 30,000 ATMs nationwide for surcharge free withdrawals. CO-OP also offers ATMs at a variety of places you may commonly shop, including select Costco, Walgreens, and 7-Eleven locations. Find a CO-OP location near you

Fifth Third Bank ATMs: Adventure Credit Union members can use Fifth Third Bank ATMs for surcharge free withdrawals. This adds another 2,700 ATMs for use nationwide with 400 in the Grand Rapids and Lansing regions. Find a Fifth Third Bank ATM near you.

CO-OP Shared Branching 

As a member of Adventure Credit Union, you can access your Adventure accounts at participating CO-OP Shared Branches throughout the United States. We are in a network relationship to help better service you. You’re welcome at nearly 5,000 credit union branches and over 2,000 self-service locations as part of CO-OP Shared Branching. That adds up to convenience comparable to the country’s largest banks. Full-service interaction is available through shared branching for those times when your transactions require more than an ATM.