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Reward Checking

Earn 2.00% APY*

or call 281.422.3611 to open your account!

Reward Yourself With A Checking Account That Works Just As Hard As You Do!

You work hard for your money. With our Reward Checking, your money is working hard for you - without all the extra fees. With CRCU Reward Checking, we elevate checking to a whole new experience, adding premium earning power and incomparable perks to our already impressive checking features.

  • Earn 2.00% APY* on balances up to and including $20,000, with no minimum required to earn if qualifications are met
  • Earn 0.05% APY* on balances over $20,000 or if qualifications are not met
  • Nationwide ATM fee refunds of $10.00 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
  • Unlimited debit card, CRCU ATM, and point-of-sale transactions
  • Access to 55,000 surcharge-free ATMs, plus unlimited ATM withdrawals
  • Unlimited free check writing
  • Direct deposit available
  • Overdraft and Courtesy Pay service available after 30 days 
  • Order checks 
  • eStatements available
  • Federally insured up to $250,000 by NCUA
  • Members over 55 will be automatically switched to a Senior Reward Checking and will receive the following benefits:
    • FREE Cashier’s Checks
    • FREE Money Orders

What to know

  • $5 minimum deposit to open
  • Interest is compounded and credited monthly
  • Interest rate subject to change monthly
  • Active email is required for account

What are the qualifications for earning reward yields?

  •  Make 10 debit card purchases that post and settle per month
  • One Direct Deposit or ACH auto debit per month
  • Be enrolled and receive electronic statements each month

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


  • Make 10 debit card purchases that post and settle per month
  • One Direct Deposit or ACH auto debit per month
  • Be enrolled and receive electronic statements each month

Balances up to $20K will receive the higher interest rate if qualifications are met.

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. 

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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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*APY=Annual Percentage Yield. APY’s accurate as of 06/01/23. 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 10 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 and including to $20,000 receive 2.00% APY and balances over $20,000 earn 0.05% APY on portion of balances over $20,000, resulting in 2.00% - 0.05% 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.