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KickBack Checking®

Free checking that pays! Earn up to 3.82% APY on balances $10,000.00 or less, and get up to $15 in nationwide ATM refunds every month. Just meet these easy qualifications each month:

  • Use your debit card for 14 retail transactions per month (not including ATM usage).
  • Get monthly eStatements, which are included with online banking.
  • Have a minimum of one direct deposit posted to your account each month.
Learn More

*APY=Annual Percentage Yield. APYs accurate as of 11/01/2023. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: 1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5/ATM transaction, with a $15 maximum credited to the account on or about the 5th day of the next month; 2) balances $10,000.00 or less receive APY of 3.82%; and 3) balances of $10,000.01 and higher earn 0.10% APY. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account. "Qualification cycle" is equal to one calendar month or first day of the current statement cycle through the last day of the current statement cycle. ATM transactions do not count toward 14 qualifying debit card transactions required to earn rewards, but any retail debit card transaction does (PIN-based or signature-based). Transfers between accounts do not count as a direct deposit. Limit one account per SSN. Membership eligibility required with $5 pledge in savings. KickBack Checking is a ®/Registered Trademark of Verve, a Credit Union.

KickBack Checking

If there’s a month you don’t qualify, don’t worry! You still have a free account that earns a base rate of 0.01% APY if qualifications are not met.


It’s time for better banking…with a credit union that has as much energy and enthusiasm as you.

Join now online to take advantage of checking that puts money back into your wallet through an instant-issue, EMV chip-enabled debit card. Plus, you can skip the branch visit with mobile deposit and more.

Make the switch to Verve

Ready for a change, but not sure where to start? Don’t sweat it—here’s what you need to do to switch your checking to Verve.

  1. Open a new account online  (or stop by a branch near you and walk away with a ready-to-use debit card the same day).
  2. Set up direct deposits and automatic payments (don’t forget to update your payment info with your cable and electric providers and any other bills you pay online).
  3. Make sure all your checks and payments have cleared on your old account and then close it (be sure to shred your old checks and debit card).

That’s it!

It’s not a debit card.

It’s a wallet boss.

With a Verve checking account, you can have instant access to your checking account with an Instant Issue debit card. Simply make purchases as you would with a credit card—in person, over the phone or online—and your funds are automatically withdrawn from your checking account. When purchasing an item at a store, insert card to read chip, enter PIN or sign and done.

Plus, you can use your debit card for instant access to your checking account cash at any of our surcharge-FREE ATMs, as well as at ATMs and retailers all around the world. Our fraud detection system monitors transactions to detect potentially fraudulent or suspicious activity, keeping your debit card protected from unauthorized use.

Verve Checking

Whether you’re paying your electricity bill, the babysitter or the pizza delivery person, our personal checking account is loaded with lots of extras to help get you through your day.

Free Online Banking

Check balances, transfer funds, view cleared checks and more.

No Minimum Balance

Any amount will do.

Free ATM Withdrawals

Free debit card cash withdrawals and transactions from thousands of ATMs nationwide.

Free eAlerts

Sent directly to your email or smartphone about your account balances & transactions.

Free Bill Pay

Pay your bills with funds right from your checking account.

Free eStatements

Get detailed statements sent directly to your email.

Checking options that keep expenses in check.

Make everyday moves like a chess master. Verve’s debit and checking options will keep you ahead of the game.

Our Verve Round Up service lets you add a few cents to your savings with every debit card purchase by rounding up to the nearest dollar. Stop by your nearest branch to learn more.