Reward Checking Account

Earn up to 3.00% APY*

or call 281.422.3611 to open your account!

A Checking Account Worth Smiling About!

Unlock the potential of your hard-earned money with our Reward Checking Account! We offer a checking experience with financial benefits and a reason to smile. Say goodbye to unnecessary fees and hello to a world of rewards. Open today and discover the joy of earning with a smile!


 Smiley-Worthy Features 



Maximize Your Earnings

$0.01 - $20,000.00  20 1.98% 2.00%
$0.01 - $20,000.00  30 2.47% 2.50%
$0.01 - $20,000.00  40 2.96% 3.00%

Earn 0.05% APY* on all balances even if qualifications are not met! 


Additional Qualifications*

It only takes two additional steps to qualify for these incredible rates. The best part? You're most likely already doing them. If not, don't worry! These straightforward steps are easy to include in your routine.
One Direct Deposit or ACH auto debit per month
Be enrolled in and receive monthly electronic statements


  • Nationwide ATM fee refunds of $10 per statement cycle**
  • No monthly service fee
  • Monthly eStatements delivered to your inbox
  • Free Online Banking, Bill Pay***, Mobile Banking, Mobile Deposit, Text Banking, and automated telephone banking with CRCU Touch Tone Teller
  • Free debit card and free starter checks available at account opening

Checking Resources

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Direct Deposit

Have your paychecks – or any recurring checks – deposited right into your CRCU checking or savings account with Direct Deposit. 

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CRCU Mastercard Debit Card

Use your debit card anywhere that Mastercard® cards are accepted. Plus, get cash at thousands of surcharge-free ATMs through the All-Point network.

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Go Paperless with Online Statements! Start getting your monthly statements faster and safer from our secure web site. 
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Mobile Banking

Download the CRCU’s Mobile Banking app to access your account anywhere, anytime! 

Learn More

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Mobile Check Deposit

Simply use your smartphone & the CRCU Mobile Banking app to snap, submit, and deposit your checks electronically. Getting started is easy!

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Online Banking

CRCU Online Banking let you transfer money, review transaction history, set up account alerts, deposit checks, and more. Enroll today! 

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Bill Pay

Our Bill Pay Service in online banking is a convenient way to pay bills any time, any where. It's easy. Setting up and paying bills online is simple & fast.

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Overdraft Protection

We understand life happens. If you overdraft your account and have Overdraft Protection set up you can have funds from your savings or line of credit transfer over. Sign up today! 

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Routing Number

When you set up direct deposit, automatic withdrawals or payments, or automatic transfers to other financial institutions, you will need to provide this Routing Number and your Account Number. 
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Direct Deposit — The Safe Way to Get Paid

  • Immediate access to your money
  • Reduced risk of ID theft or mail fraud
  • No cost to enroll


  • Earn tiered APY* based on a minimum of 20, 30, or 40 monthly debit card purchases.
  • One Direct Deposit or ACH auto debit per month
  • Be enrolled and receive electronic statements each month

There is a $0.01 average balance required to earn interest.

Order Checks

When you need to order or reorder checks online, we utilize a trusted provider - Harland Clarke.  From personal checks to business checks, including safety checks and security checks, Harland Clarke provides the styles and accessories you're looking for.

Prefer to Call?

You can also order over the telephone 24/7 by calling 800-275-1053.  You'll need the CRCU routing & transit number, 313077513, and your account number. 

Woman playing with kids in yard

How Much Money Should I Keep In My Checking Account?

How much should you be keeping in your checking account? Too little and you could be in trouble. Too much and you lose interest earnings. We can help you figure it out!

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Group Swiping Credit Card

Debit Card Safety

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

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*APY=Annual Percentage Yield. APY’s accurate as of 04/01/24. Rates may change after account is opened. Minimum to open is $5. Available to personal accounts only. Qualifications must post and settle the account during each monthly statement cycle: have at least 20 debit card purchases, have at least 1 automatic payment or direct deposit; be enrolled and receive e-statement notice. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. ATM transactions do not count towards qualifying debit card transactions. Intra-bank transfers do not count as qualifying ACH transactions. If qualifications are met each monthly statement cycle: balances up to and including $20,000 with 20 monthly debit card purchases receives 2.00% APY, balances up to and including $20,000 with 30 monthly debit card purchases receives 2.50% APY, balances up to and including $20,000 with 40 monthly debit card purchases receives 3.00% APY and balances over $20,000 earn 0.05% APY on portion of balances over $20,000, resulting in 0.05% - 3.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Fees could reduce the earnings on the account. **ATM fees incurred during statement cycle will be reimbursed up to $10 (up to $4.99 per single transactions) and credited to account on the first business day of the next monthly statement cycle. ATM receipt must be presented for reimbursement of ATM fees of $5 or higher. ***FREE Bill Pay service must be deemed active, requiring at least one payment every 30 days, in order to avoid fees. If inactive, a $3.95 per month fee will apply to maintain the Bill Pay account.