Skip to main content
Personal

VERVE CHECKING

Manage your money + thrive financially.

Verve Optimum Checking

Highest dividends. Best perks.
Optimize your earning potential.

Verve Premier Checking

High dividends. Better perks.
Grow your money strategically.

Verve Essential Checking

FREE checking. No fees.
Build a strong financial foundation.

Find your ideal checking account and start thriving today.

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 QUALIFIED: 2.50% APY* QUALIFIED: 0.25% APY* None
NON-QUALIFIED: 0.25% APY* NON-QUALIFIED: 0.10% APY*
ATM Fee Refunds QUALIFIED: Up to $15 QUALIFIED: Up to $10 None
NON-QUALIFIED: None NON-QUALIFIED: None
Check Writing Unlimited Unlimited None
Instant Issue Debit Card
Monthly Service Fees QUALIFIED: Waived with Verve Credit Card or $10,000 Combined Deposit Account Average Balance QUALIFIED: Waived with Verve Credit Card or $2,000 Combined Deposit Account Average Balance None
NON-QUALIFIED: $15 NON-QUALIFIED: $5
Overdraft Protection None
eStatements + eAlerts
Free Online Banking
Mobile Deposit
1,000s of Free ATMs
Early Pay Availabilty
Member Service + Support

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.

Direct Deposit

Authorize automatic paycheck deposits into your account of choice.

Mobile Deposit

Mobile Deposit allows you to deposit checks right from your tablet or smartphone.

Early Pay

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

Credit Score

Staying on top of your credit has never been easier, with My Credit Score.

Round Up

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

Manage Your Cards with More Control and Confidence

We’ve upgraded Verve’s card management system to give you a simpler, more powerful way to manage your debit cards—right from digital banking. Enjoy better visibility, stronger security, and tools that for your life.

With our upgraded system, you can:

  • Control fraud protection with tools like location settings and merchant verification
  • Customize transaction alerts to stay informed in real time
  • Access your credit card rewards with one simple sing-on

Take control of your cards today. Log in to Digital Banking and go to Accounts > Card Management to get started.

Disclosure Information

APY = Annual Percentage Yield. APYs accurate as of 01/21/2025. Rates may change after account is opened. Fees could reduce earnings. Dividends are compound and paid monthly.