Checking Accounts

A future-focused checking approach.

Trustworthy checking for every step.

Embark on a journey that builds you up. At Corda Credit Union, we understand that your checking account should safeguard your money and support your financial goals.

Dollar Bills

Direct Deposit

Streamline your finances with direct deposit to ensure timely and secure access to your funds.

Debit or credit card

Card Replacement

Our emergency card replacement service ensures you quickly receive a new card, minimizing disruption to your financial activities.

Bell

Transaction Alerts

Set up instant notifications for your accounts, helping you monitor your spending, detect unauthorized transactions, and manage your finances efficiently.

Money Transfer

Overdraft Services

Our overdraft services offer an added layer of security, which may prevent declined purchases and bounced checks.

Maximize your earnings with High-Yield Checking

Earn 3.00% APY1 on balances up to $25,000 and have your out-of-network ATM fees refunded each month. Once you make a minimum opening deposit of $50, enjoy the following benefits including:

  • No minimum balance requirement
  • No per check charge
  • No monthly service charge
  • Free debit card
  • Access to online banking and our free mobile app2
  • Access to Bill Pay and MoneyMap

To enjoy these benefits, simply activate online banking and use the three free services listed below each month:

  • Make at least 12 signature-based debit card purchases (select “credit” instead of “debit”)
  • Receive eStatements
  • Directly deposit your paycheck or retirement income

You’ll receive an email each month letting you know if you’ve met the requirements needed to earn your rewards.

Apply for High-Yield Checking

Build your financial future with Empower Checking

Earn 5.00% APY3 on balances between $250 and $2,500. Once you make a minimum opening deposit of $50, enjoy the following benefits, including:

  • No minimum balance
  • No monthly service charge
  • No charge for cashier’s checks
  • No non-sufficient funds (NSF) fees

With us, you’ll get a free Visa® debit card, plus access to digital services that’ll make life easy! Enjoy free online and mobile banking2 — perfect for depositing checks or making transfers whenever it’s convenient for you. Also, pay your bills with Bill Pay and keep your spending in check with MoneyMap, our free personal finance manager.

Apply for Empower Checking

Experience the full value of All-In Checking

Earn 2.00% APY4 on balances of $100,000 or more. After you’ve made the initial deposit of $50, unlock the following benefits:

  • No minimum balance
  • IDProtect®5
    • Identity Theft Expense Reimbursement Coverage
    • Comprehensive Identity Theft Resolution Services
    • 3-in-1 Credit File Monitoring
    • 3-in-1 Credit Report
    • Debit and Credit Card Registration
    • Identity Monitoring
    • Online Identity Theft News Center and Valuable Phone and Web Resources
  • Cellular Telephone Protection (cell phone bill must be paid with All-In account)
  • Travel and Leisure Discount Membership5
  • Accidental Death and Dismemberment Insurance
  • $hopping Rewards TM5
  • Visa Debit Rewards Card
  • Health Discount Savings5 (This is NOT insurance)
  • Debit Advantage® Buyer’s Protection and Extended Warranty5 (Item(s) must be purchased entirely with an All-In account)

Once your All-In Checking account is all set up, you’ll get a special access code from us. Visit eClubonline and use the code to activate all the benefits waiting for you. You get all this for a small monthly maintenance fee of $6.50 plus tax.

We recommend signing up for online banking and eStatements after you open your account. It’s simple, it’s green, and it saves you that extra $2 plus tax monthly fee for paper statements.

View the All-In Checking account details, including full terms and conditions.

View the All-In Checking Visa Debit Rewards Card Disclosure for full details.

Apply for All-In Checking

Your checking account options at a glance.

  • Minimum opening deposit

    Minimum opening deposit

  • Service Charge

    Service Charge

  • Access to online and mobile banking

    Access to online and mobile banking

  • Free debit card

    Free debit card

  • Earn points on transactions

    Earn points on transactions

  • IDProtect®5

    IDProtect®5

  • Cell Phone Protection

    Cell Phone Protection

  • Travel and Leisure Discount Membership5

    Travel and Leisure Discount Membership5

  • Shopping Rewards5

    Shopping Rewards5

  • Health Discount Savings

    Health Discount Savings

  • Debit Advantage® Buyer’s Protection and Extended Warranty5

    Debit Advantage® Buyer’s Protection and Extended Warranty5

  • Accidental Death and Dismemberment Insurance

    Accidental Death and Dismemberment Insurance

High-Yield Checking

  • Minimum opening deposit

    $50

  • Service Charge

  • Access to online and mobile banking

  • Free debit card

  • Earn points on transactions

  • IDProtect®5

  • Cell Phone Protection

  • Travel and Leisure Discount Membership5

  • Shopping Rewards5

  • Health Discount Savings

  • Debit Advantage® Buyer’s Protection and Extended Warranty5

  • Accidental Death and Dismemberment Insurance

Empower Checking

  • Minimum opening deposit

    $50

  • Service Charge

  • Access to online and mobile banking

  • Free debit card

  • Earn points on transactions

  • IDProtect®5

  • Cell Phone Protection

  • Travel and Leisure Discount Membership5

  • Shopping Rewards5

  • Health Discount Savings

  • Debit Advantage® Buyer’s Protection and Extended Warranty5

  • Accidental Death and Dismemberment Insurance

All-In Checking

  • Minimum opening deposit

    $50

  • Service Charge

  • Access to online and mobile banking

  • Free debit card

  • Earn points on transactions

  • IDProtect®5

  • Cell Phone Protection

  • Travel and Leisure Discount Membership5

  • Shopping Rewards5

  • Health Discount Savings

  • Debit Advantage® Buyer’s Protection and Extended Warranty5

  • Accidental Death and Dismemberment Insurance

Get started with Corda Credit Union checking.

Enjoy free online banking, no minimum balance requirement, and other perks that make banking easier for you.

Apply online or visit a branch, and we’ll have you up and running in no time. Here’s what you’ll need to bring for a checking account application:

  • A valid driver’s license or state ID
  • Proof of your current address, such as a pay stub or utility bill
  • Your Social Security number (if you’re under 18 or don’t have established credit, bring the actual card, not just the number)
  • At least $5 for your savings account deposit (if you’re not already a member)
  • A minimum of $50 for your checking account deposit

Opening a joint account? Each person should bring their own ID.

Already a member and looking to open another checking account? No extra paperwork needed. Give us a call, and we’ll handle the rest.

Apply now

Build dreams at great rates.

High-Yield Checking

Balance

APY*

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rates are based on average daily balance. Rates may change without notice after account opening. Membership Savings account is required to obtain Corda Credit Union products. Minimum $50 to open. Any fees incurred could reduce earnings.

**To earn these High-Yield Checking rates, simply activate online banking and use these three free services each month:
1. Make at least 12 signature-based debit card purchases (select “credit” instead of “debit”)
2. Receive eStatements
3. Receive direct deposit of your paycheck or retirement income

Balance

$0 – $24,999.99**

APY*

3.00%

Balance

$25,000+ **

APY*

0.10%

Empower Checking

Balance

APY*

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rates are based on average daily balance. Rates may change without notice after account opening. Membership Savings account is required to obtain Corda Credit Union products. Minimum $50 to open. Any fees incurred could reduce earnings.

Balance

$0 – $249.99

APY*

0.00%

Balance

$250 – $2,499.99

APY*

5.00%

Balance

$2,500 – $9,999.99

APY*

3.00%

Balance

$10,000 – $24,999.99

APY*

1.00%

Balance

$25,000 – $49,999.99

APY*

0.50%

Balance

$50,000+

APY*

0.01%

All-In Checking

Balance

APY*

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rates are based on average daily balance. Rates may change without notice after account opening. Membership Savings account is required to obtain Corda Credit Union products. Minimum $50 to open. Any fees incurred could reduce earnings.

Balance

$0 – $999.99

APY*

0.00%

Balance

$1,000 – $2,499.99

APY*

0.25%

Balance

$2,500 – $4,999.99

APY*

0.50%

Balance

$5,000 – $9,999.99

APY*

0.75%

Balance

$10,000 – $24,999.99

APY*

1.00%

Balance

$25,000 – $99,999.99

APY*

1.50%

Balance

$100,000+

APY*

2.00%

FAQs

If you ever find your Corda Credit Union checking account a bit in the red, don’t worry. We’ve got a few safety nets to keep you covered.

Here’s how you can cushion your account:

  1. Linked Accounts: Did you know your accounts can have each other’s backs? Link them up, and if your checking account ever needs a little help, your other account(s) will jump in to fill the gap. You’re in charge here – you get to pick which accounts lend a hand and in what order.
  2. Credit Card Reserve Checking: Have a Corda Credit Union credit card? Great! If your checking account ever dips below zero, we’ll sort it out with a cash advance in $100 chunks.
  3. Courtesy Pay: This one’s like a little buffer for your personal checking account. If your account’s been with us for over 90 days and is on its best behavior, we’ll let it slide into the negative, up to $500. Just make sure to bring it back to the positive within 30 days. A fee of $30 plus tax may apply for each overdraft.

Learn more about our overdraft services.

Direct deposit offers more benefits than just the convenience of not waiting in line on payday:

  • Instant – Electronic payroll deposit shows up in your account earlier than depositing in person.
  • Instant access to funds – No check holds, your money is instantly available in your account.
  • Receive perks – Direct deposits qualify you for our High Yield Checking Account.
  • Alerts – Enroll in online banking and you can set it up to receive a message to your cell phone or e-mail to let you know when your direct deposit came in, and for how much.
  • Security – Reduces theft or loss of your check.
  • Free service – There is no fee to set up payroll direct deposit.

To get started, contact your employer for your company’s payroll direct deposit form. If you would like help filling out the form, please contact us.

If you need to sign up for direct deposit for Social Security, please go to Go Direct®.

Contact us or stop by one of our branches. There is a $10 replacement fee, per card.

If either of these cards are stolen or compromised, call us immediately at 319.892.7300. If it’s after hours, call 1.833.851.5397. In the case of theft, be sure to alert the local authorities.

Please call 1.833.285.1743 (choose option 4).

Not finding what you’re looking for? Visit our help section or contact us.

Apply for a checking account today.

Apply for membership
Apply now
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Disclosures

1APY = Annual Percentage Yield. Available to prospective members who are 18 years or older. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. High-Yield checking APY varies from 3.00% APY with minimum average daily balance of $0 – $24,999.99 to 0.10% APY with minimum average daily balance of $25,000 or more. No minimum balance required. APY is accurate as of the last dividend declaration date. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Personal accounts only.

2Standard data rates and other restrictions may apply.

3APY = Annual Percentage Yield. Available to prospective members who are 18 years or older. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. Empower Checking offers tiered APY rates based on average daily balance (ADB): 0.00% APY for ADB of $0 – $249.99: 5.00% APY for ADB of $250 – $2,499.99; 3.00% APY for ADB of $2,500 – $9,999.99; 1.00% APY for ADB of $10,000 – $24,999.99; 0.50% APY for ADB of $25,000 – $49,999.99; and 0.01% APY for balances above $50,000. $250 is the minimum ADB required to receive dividends. No minimum balance required. APY is accurate as of the last dividend declaration date. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Personal accounts only.

4APY = Annual Percentage Yield. Available to prospective members who are 18 years or older. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. All-In Checking APY varies from 0.00% APY with minimum average daily balance of $0 – $999.99 to 2.00% APY with minimum average daily balance of $100,000 or more. No minimum balance required. APY is accurate as of the last dividend declaration date. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Personal accounts only.

5Registration/activation required.

Visa® is a registered trademark of Visa International Service Association.