Hurricane Milton Support learn more

Checking

Home › Personal › Checking

Open Your Checking Account Online

Enjoy your choice of two checking options, each with perks and benefits designed for particular spending habits. Choose from Checkless Checking¹, a simple, no-cost way to keep track of your money without paper checks, and CashBack Checking², a member-favorite option that earns 5 cents back with every qualifying swipe.

Benefits of Grow Checking Accounts

Both our checking accounts come with all the essentials you need for everyday banking.

Convenient online and mobile banking³

Access to over 70,000 surcharge-free ATMs⁴

Free direct deposits

Opportunities for cash back

Choosing the Right Checking Account for You

We’ve made it easy to choose the right account based on how you spend your money. Whether you’re looking for a little cash back or extra convenience, our checking accounts help you thrive.

Personal Checking Accounts	Overview	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)
Grow Cashback Checking¹	Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa® debit card.	$0.00	0.00%	0.00%¹
Grow Checkless Checking²	Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or nonsufficient funds fees.	$0.00	-	-

Overview	Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa® debit card.
Minimum Deposit	$0.00
Dividend Rate	0.00%
Annual Percentage Yield (APY)	0.00%¹

Overview	Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or nonsufficient funds fees.
Minimum Deposit	$0.00
Dividend Rate	-
Annual Percentage Yield (APY)	-

¹Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cashback bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN-based point-of-sale purchases, bill payments made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cashback bonus earnings on the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 11/21/2024 and may change without notice.

²You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.

Open Your Checking Account Online

New to Grow Checking?

First things first — let’s make sure you’re set up with a Grow Basic Savings Account. Consider that account your key to unlocking our entire world of financial services and resources. Once you’ve opened a savings account with Grow, you can open a checking account too. Yep, it’s that simple!

Become A Member

Already Have a Grow Savings Account?

If you already have a savings account with Grow, go ahead and log into your online banking portal. There, you’ll be able to open a checking account with a quick and easy application process.

Open A Checking Account

Woman selling another woman a potted plant

Enroll in Round Up, Give Back

As a Grow Debit Card holder, you’re eligible to join our Round Up, Give Back program, giving you access to exclusive rewards and charitable opportunities.

LEARN MORE

Keeping Your Finances In Check

Woman sitting at table with coffee and laptop

Become a Grow Member

Grow Financial is a credit union, not a bank. That means we put people before profit and do all we can to help our members thrive.

Learn More

Mobile Check Deposit: Snap a Picture, Deposit a Check

Do you know about our convenient mobile check deposit? It’s easier than ever to deposit checks to your account — without needing to stop by a Grow store.

The Credit Union Difference: Why Choose a Credit Union Over a Bank

Have you ever wondered what is the difference between a credit union and a bank?

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What does this mean for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Accounts are subject to approval.

¹You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.

²Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cashback bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN-based point-of-sale purchases, bill payments made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cashback bonus earnings on the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 11/21/2024 and may change without notice.

³Additional data charges may apply. Please see your wireless carrier for more information.

⁴There is no fee for transactions made at ATMs in the Grow Financial, CU24/CU HERE or CO-OP networks. Transactions from non-network ATMs will carry a $2.00 service charge, in addition to any fees charged by the operating institution.