Checking

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Optimum Checking

Highest Dividends

Best perks. Optimize your earnings.

More About Optimum Checking

Premier Checking

High Dividends

Better perks. Grow your money.

More About Premier Checking

Essential Checking

FREE Checking

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No fees. Establish your finances.

More About Essential Checking

Comparison table of personal checking accounts
	Verve Optimum Checking	Verve Premier Checking	Verve Essential Checking
Account Qualifications for Higher Dividends + ATM Fee Refunds	Monthly ACH Direct Deposit Totaling $1,000, Valid Email Address, + Enrolled in eStatements	Monthly ACH Direct Deposit Totaling $500, Valid Email Address, + Enrolled in eStatements	None
Dividend Rates	QUALIFIED¹: 2.50% APY* NON-QUALIFIED: 0.25% APY*	QUALIFIED²: 0.25% APY* NON-QUALIFIED: 0.10% APY*	None
ATM Fee Refunds	QUALIFIED¹: Up to $15 NON-QUALIFIED: None	QUALIFIED²: Up to $10 NON-QUALIFIED: None	None
Check Writing	Unlimited	Unlimited	None
Instant Issue Debit Card
Monthly Service Fees	With Verve Credit Card or $10,000 Combined Deposit Account Average Balance, waive $15 fee NON-QUALIFIED: $15	With Verve Credit Card or $2,000 Combined Deposit Account Average Balance, waive $5 fee NON-QUALIFIED: $5	None
Overdraft Protection			None
eStatements + eAlerts Free Online Banking Mobile Deposit 1,000s of Free ATMs Early Pay Availability Member Service + Support
	Open an Optimum Checking Account	Open a Premier Checking Account	Open an Essential Checking Account

BUNDLE + SAVE

Bundle Your Checking Account With a Savings Account + Credit Card for Better Rates + Lower Fees

Essential Bundle

FREE Checking

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Build a strong foundation

Get an Essential Bundle

Essential+ Bundle

Easy Access

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Plan for life's next big steps

Get an Essential+ Bundle

Premier Bundle

Bank Anytime

Navigate transitions + rebuild

Get a Premier Bundle

Optimum Bundle

Fast. Simple. Secure.

Optimize + build wealth

Get an Optimum Bundle

Need some help choosing?

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Use Our Money Management Tools to Fuel Your  Lifestyle + Watch Your Finances Grow

Digital Banking

Easily view and manage your accounts from your computer, tablet, or phone.

Mobile Deposit

Deposit checks right from your table or phone with Mobile Deposit.

Alerts

Stay updated on your account activity with notifications throughout the day.

Direct Deposit

Authorize automatic paycheck deposits into your account of choice.

Early Pay

Get access to your paycheck and other direct deposits up to two days earlier with Early Pay.

Verve Round Up

Add a few cents to your savings with every debit card purchase with Verve Round Up.

Bill Pay

Send payments from Verve accounts to companies or individuals electronically or by check.

How do I reorder/order more checks?

Order checks and see options through online banking, select the Services menu, Check Services, and the Reorder Checks tab. If you need assistance ordering checks, please call 800.448.9228.

The Legal Stuff

Verve Optimum Checking

Qualify your checking account for higher dividend rates/APYs with 1) monthly ACH direct deposits in checking totaling at least $1,000, 2) valid email address, and 3) enroll in and receive eStatements. When qualifications are met, checking balances of $0.01 to $10,000 will earn 2.50% APY and checking balances are over $10,000 will earn 2.50% - 0.48% APY. In addition, when qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 per ATM transaction, with a $15.00 maximum credit to your account. When qualifications are not met, checking balances will be paid 0.25% APY and ATM refunds will not apply. Waive the $15.00 monthly service fee with $10,000 combined deposit account (savings, money market, and checking balances; does not include Share Certificate balances) average daily balance or as a Verve credit card holder. Limit one Verve Optimum Checking account per Social Security Number.

Verve Premier Checking

Verve Essential Checking