Open Your Hassle-Free Checking Account Today
Discover the freedom of checking with no monthly fees, better earnings, and unmatched convenience.
Why Choose Raiz for Your Checking Needs?
Experience the difference with our top-rated checking account.
No monthly fees
Earn interest on your balance1
Free Mastercard® Debit Card
Bank from anywhere with our easy-to-use digital banking tools
See How Our Checking Account Compares*
Discover why more people are choosing Raiz for their banking needs. Compare our features and see the difference for yourself.
| Minimum balance of $2,500 | Raiz FCU | FirstLight FCU | GECU | Bank of America | Wells Fargo Bank |
|---|---|---|---|---|---|
|
Rate |
0.25% |
0.10% |
0.10% |
0.01% |
0.01% |
|
APY |
0.25% |
0.10% |
0.10% |
0.01% |
0.01% |
Rates effective as of: June 16, 2025
*Comparison based on publicly available rates from Curinos for checking account dividend rates with similar deposit terms. Raiz Federal Credit Union rates are subject to change without notice and may vary based on creditworthiness, loan amount, and other factors. Rates shown from other institutions are for comparison purposes only and may not reflect the most current offers.
What Our Members Are Saying
Great customer service, all the representatives and loan officers are friendly, knowledgeable, patient trustworthy, sincere and kind.
Was very pleased with the professional service we received.
Have been with the credit union for 30 years. Still satisfied with their service. Outstanding, everyone is so helpful. I would recommend them to anyone that needs a Credit Union.
Rates
See today's ratesStarting at
0.25% APY2Focus on Managing Your Money Without Additional Charges
Now you can worry less about maintaining a specific balance or paying to open an account, and focus more on how you spend. Join thousands who enjoy seamless banking with Raiz.
Ready to Experience Hassle-Free Banking?
Enjoy exclusive member benefits and start earning on your balance today.
1Share Checking Account dividends are paid monthly. Please note that the rates may change after the account is opened. Fees may reduce earnings.
2Annual Percentage Yield. Rates are subject to change at any time without notice.
Today's Rates
|
Check Printing (Clarke American) |
Prices may vary depending upon style |
|
Checking Account Service |
Free |
|
Courtesy Pay1 |
$5.00 per transaction $19.00 per transaction 6 per day, $114.00 max charged |
|
Each transaction under $10 |
$5.00 per transaction |
|
Each transaction over $10 |
$19.00 per transaction |
|
Non-Sufficient Funds (NSF) |
$39.95 per item |
|
Re-Enter for Non-Sufficient Funds Fee Items |
$10.00 per item |
|
Stop Payment ACH/Personal Check |
$19.95 per item |
|
Stop Payment for Series of Checks in Sequence |
$19.95 per series |
More Features
No Monthly Fees
When compared to checking accounts at other institutions, ours allow you to save money without extra fees.
No Minimum Balance Requirements
Worry less about your balance and focus more on how you wish to manage your funds.
Remote Deposit Capture
When you sign up for online banking, you can conveniently deposit checks digitally.
Mobile Purchasing for iOS and Android
You can use your phone to quickly make purchases at many of your favorite in-person retailers.
Card Management
Now you can better track your card’s usage and prevent fraudulent charges from going unnoticed.
Free eStatements
You can access and review your transactions without waiting for a paper statement in the mail.
Dividends Compounded Monthly
Watch your checking account balance grow faster than checking accounts at other institutions.
Direct Deposit
Simplify getting paid with direct deposit that automatically adds your paycheck to your account every payday.
Courtesy Pay and Overdraft Service
Protect your checking account with a Courtesy Pay Overdraft Service that temporarily covers purchases from your debit card, ACH transactions, or paper checks that exceed your account balance.
Person-to-person payments with Zelle®
Send or request money from anyone using their phone number or email address.
Learn more
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