Edge Checking Account

High-yield, free checking account, with advantages.

  • 4% APY* Checking Account
    4% APY* Checking Account

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

  • Hassle-Free Checking Account
    Hassle-Free Checking Account

    There’s no monthly fee or minimum account balance requirement.

  • Online Banking Services
    Online Banking Services

    Skip the Grand Rapids or Lansing, MI Branch and 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 rate 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 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

Monitoring your progress towards these monthly requirements is easy!  Just consult the Edge Checking Dashboard available within Online Banking and Mobile Banking.  We track everything for you, making it that much easier to earn 4.00% APY* on your Edge Checking account balance up to $10,000.

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. We have relationships with CO-OP Network 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

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.

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 following counties: Allegan, Barry, Clinton, Eaton, Ingham, Kent, Livingston, Newaygo, Ottawa, and Shiawassee.

Have questions for us?  Click the "Chat with Us!" button or text us at 800.323.2129 between 9am - 5pm, Monday - Friday.  After-hours, please call us at 800.323.2129.

Who is Adventure Credit Union?

Simply put, we're like a bank but better!  Like a bank, we offer financial services: loans, mortgages, savings accounts, checking accounts, and more.  Unlike a bank, we're a not-for-profit organization owned by our members.  This means, we work in the best interest of our members (i.e., accountholders) rather than investors.  Our non-profit status allows us offer low interest rates on our Holiday Loans and keep our account fees to the bare minimum.  When you open a share account with Adventure Credit Union, you'll never be charged a minimum balance fee or an account maintenance fee.


How do I join?

If you'd like to open an Edge Checking account, we suggest following these steps.

  1. Apply for membership; be sure to select "Edge Checking" from the "Available Products" section on page one.
  2. Wait for us to respond via email
  3. We'll walk you through opening your new membership