Edge Checking Account

High-yield, free checking account, with advantages.

Add an Edge Checking Account

Not a member yet? Apply for Membership.
  • 4% APY*
    4% APY*

    Earn this competitive interest 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, high interest 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.  That means you can earn up to $400/year in dividends.*

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 free Debit Card to surcharge-free ATM access to unlimited check-writing.

Our high-yield checking account is ideal for Michigan residents in Grand Rapids, Lansing and beyond who are ready to move forward. Open a checking account online or at any of our branches.

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
  • 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 in Michigan and beyond
ID Safe Choice
Courtesy Pay
  • Covers payments when your Debit Card is declined. Read more.
  • Set up Direct Deposit of at least $100
  • 20 or more posted 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.

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.

Minimum balance: $0.00
APY*: 4.00% 

*APY is Annual Percentage Yield as of March 1, 2021. Rate is subject to change. 4.00% APY 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.

***Qualifications for the Edge Checking are the same as we use for Adventure Checking. Member must pass ChexSystems, etc.