CHECKING ACCOUNTS

Checking & Debit Cards

For every life stage.

Checking & Debit Cards

Whether you're starting out, building your future, or planning for retirement, Avenir Financial offers checking options to help you find your way. All of Avenir Financial checking accounts come with online and mobile banking and a Visa® Debit Card to make managing your money easy and convenient.

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Avenir Financial Visa® Card Support:

  • (866) 513-4132 Customer Service and Lost/Stolen Card
  • (866) 985-2273 Card Activation and Personal Identification Number (PIN)
  • (888) 918-7313 To Report Fraud
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Find your way

Open a Checking Account online. It's quick and easy.

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Visa® Debit CardsAvenir financial debit card

An Avenir Financial Visa® Debit Card makes shopping easy! Once you swipe, purchases are automatically deducted from your checking account. Add your card to the digital wallet on your mobile device for quick and secure access.

Checking options for every life stage.

thrive checking

THRIVE Premium Checking

For goal-getters who want more from their money.

  • Earn up to 3.00% APY** on the first $1500
  • Get rate bumps on Certificates to boost your savings even more
  • Enjoy loan rate discounts just for being an account holder
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strive checking

STRIVE Free Checking

For busy doers who want simple, stress-free banking.

  • No monthly fees
  • Perfect for managing everyday money with ease
  • Built for convenience, so you can focus on what matters
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aspire checking

ASPIRE Classic Checking

For those focused on building strong habits.

  • Low $5 monthly fee — easily waived
  • Designed for everyday use with long-term goals in mind
  • Includes tools to help you stay financially on track
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rize checking

RIZE Youth Checking

For future money pros, ages 17 and under.

  • A smart first account with parental oversight
  • Tools and resources to build strong money habits
  • Designed to grow with young members
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Features Rize1 strive aspire thrive2
Monthly Fee FREE FREE $5 $12
Min. Deposit to Open Account $25 $25 $25
Waive Monthly Fee With
Direct Deposits and $500 $1,500
Minimum Daily Balance $1,500
Earns Dividends Up to 3.00% APY*
Courtesy Pay & Limits3 $200 $700
Overdraft & Fees4 $5 $5 $5
Loan Rate Discount 0.25% APR*
Certificate Rate Bump 0.25% APY**
Fee Reversal (one time courtesy) 1 per year
Free Stop Payments 1 per year
Waive Rush Card Fee 1 per year
Online Banking & Bill Pay5
Tellerphone
Money Management

*Annual Percentage Rate (APR).  

**Annual Percentage Yield (APY). Certificate Rate Bump only applies to new certificates.  

1Rize Checking is only available to those aged 17 and under. Account will auto rollover to a Strive checking account when the minor turns 18. Adult signer required. Certain restrictions apply. Please see fee schedule for applicable fees. 

2Thrive Checking earns 3.00% APY on first $1,500 of average daily balance. 0.01% APY on remaining account balance. Loan rate discount only applies to new loans. Certificate Rate Bump only applies to new certificates. Rates subject to change. Fees could reduce the earnings on the account. 

3Courtesy Pay: This service allows you to overdraw your account up to the disclosed limit to pay transactions. Fee: $32 per item. Limits are $200 for Aspire Checking and $700 for Thrive Checking. Eligibility: Members have option to activate after 30 days. Business members have option to activate after 60 days. Accounts must be in good standing and if negative, be brought into positive within 30 calendar days. If account does not remain in good standing, limit will be removed and debit card will be suspended. How it Works: Standard Coverage Courtesy Pay covers overdrafts caused by the following transactions: Check, ACH, recurring debit, Shared Branch, Online Bill Pay, Internet Telephone. Extended Coverage Courtesy Pay covers ATM and Avenir Financial Debit Card signature and PIN-based transactions. 

4Overdraft Protection: This service protects your accounts from overdrafts on a checking account by automatically transferring funds to your Checking from another Avenir Financial account or line of credit. Fee: $5 per transfer. Eligibility: Avenir Financial Checking Account that is in good standing. Types of Transactions: All
How it Works: Funds are automatically transferred from members linked Share Savings Account or Line of Credit to cover overdraft. Line of Credit is available on approved credit and has competitive interest rates with no annual fees. Overdraft Protection activates before Courtesy Pay (on account type). When all funds are used in Share Savings Account or Line of Credit, Courtesy Pay will activate to cover remaining transactions, within the given limits based on account type.

5Wireless carrier fees may apply.