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Core Account

Interest-Bearing Checking Account

Make your cash work harder with our Core Checking Account. Enjoy great dividends on deposits and CUA perks for using your debit card. Open a Credit Union of America Core Checking Account today and make more of your money!

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Core Account Benefits

  • High Interest—Grow your balance with our interest bearing checking account. You’ll enjoy competitive interest rates that help your money go further.
  • Digital Banking—Manage your finances online and via the mobile app with robust digital banking tools.
  • Convenient Branches—Stop by one of our branches near your home or workplace. You’ll get personalized service from people who live and work in the same community you do.
  • Keep Your Money Local—Banking with us means your money stays in Wichita, helping local businesses and our neighborhoods thrive.  
  • Federally Insured—All your deposits with Credit Union of America are insured by the National Credit Union Administration (NCUA) for up to $250,000.

Core Checking Account Details

Pay.

  • Paycheck before Payday. Get paid up to two days earlier with EarlyPay2
  • Free transfers between financial institutions
  • Full access to CUA mobile banking
  • Free and unlimited bill pay

Spend.

  • No minimum balance requirement
  • Same-day debit cards
  • Unlimited check writing
  • Mobile Wallet
  • No ATM fees from CUA3 for cash withdrawals

Earn.

  • Round up purchases with Change Jar
  • Interest-bearing with a minimum average balance of $1,0001

 

Ready to earn money while simplifying your banking? Open a new interest-bearing checking account today and enjoy competitive rates and many benefits. Click below to get started!

New to CUA

Open a Core Checking

Already have an account?

Log In

 

 

Core Account $100 Minimum to Open
Balance Range* Nominal Rate/APY**
$1,000.00 to $4,999.99 0.05% / 0.05%
$5,000.00 to $9,999.99 0.10% / 0.10%
$10,000.00 or more 0.15% / 0.15%

* Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield

1 Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

2 EarlyPay direct deposits ACH funds into your deposit accounts up to two days early depending on the timing of the submission of the payment from the payer. Funds availability may be affected by holidays and weekends. 

3 We will not charge a fee for foreign ATM usage. A surcharge may apply from the ATM owner.

Application Process

  1. Apply—Complete an application online or visit a branch near you to open your new interest-bearing checking account.

  2. Fund your account—Make an initial deposit of $100 to get started.

  3. Start spending—Take advantage of great benefits like competitive interest rates, mobile banking tools, and worldwide ATM access.

Ready to get started?

New to CUA

Open a Core Checking

Already have an account?

Log In

Why Join Credit Union of America?

For over 88 years, Credit Union of America has dedicated itself to serving Wichita and the surrounding areas.  We understand the financial needs of Kansas individuals and families. Our members enjoy competitive rates, fee-free ATMs, grants, and many other perks. Opening a CUA checking account allows your money to remain local and benefit the entire Wichita community.

Ready to become a member? Call or stop by one of our convenient locations to get started today. Our team is here to help you achieve your financial goals.

 

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