CHECKING ACCOUNTS FOR EVERYONE

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Checking & Debit Cards

Avenir Financial offers three Checking Accounts to meet your unique checking needs. All of Avenir Financials' checking accounts offer online and mobile banking and a Visa® Debit Card to make managing your money easy and convenient. 

Whether your focus is on earning dividends or simply maintaining a basic account, we are dedicated to offering the ideal solution to meet your financial needs.

Getting you there. It's why we're here.

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Find your way

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

Three options to fit your everyday checking needs.

Advantage Checking

Avenir Finacials' Advantage Checking account* helps grow your money by earning interest on daily balances of $500 or more. Our full service checking account also includes online and mobile banking, bill pay, mobile check deposit, a Visa® Debit Card and more!

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Basic Checking    

Basic Checking includes basic checking services such as online and mobile banking, bill pay, a Visa® Debit Card, Courtesy Pay, and more. The monthly fee is waived with a monthly minimum (aggregate) $400 direct deposit of paycheck, social security or other recurring check and one of the following:

  • 30 or more debit card non-PIN transactions per month, OR
  • $15,000 in aggregate loan, credit card, and mortgage balances, OR
  • $1,500 or more minimum balance in Basic Checking account

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Rize Checking     

Here is a checking account parents and kids can agree on! Rize Checking is a free checking account with 'bumpers' for youth 17 years old and under. It is a joint account for both you and your child, so you can help them build good money habits. Keep track of your child’s Rize Checking account from your Avenir Financial Mobile App or Avenir Financial Online Banking, right along with your other Avenir Financial accounts. Rize includes basic checking services such as online and mobile banking, a Visa® Debit Card, and more. 

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SERVICES ADVANTAGE* BASIC** RIZE***
Visa® Debit Card with access to 30,000+ CO-OP Network surcharge-free ATMs      
Online Banking & Mobile App1      
Tellerphone      
Overdraft Protection2      
Unlimited Check Writing      
Courtesy Pay3      
Courtesy Pay Limits3 $700 limit $400 limit  
Earns Interest      
Min. Deposit to Open Account $25 $25 $0
Monthly Fee $6 $5
Waived when requirements met
FREE
Must be 17 years of age and under

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.

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

*$6 monthly service fee applies for Advantage Checking. Minimum deposit $25 to open account. Interest-earned on the daily balances $500 or greater. Fee may reduce earnings. Please see fee schedule for applicable fees. Certain restrictions apply.

**$5 monthly service fee for Basic Checking is waived with monthly minimum (aggregate) $400 direct deposit (ACH), plus one of the following:
     - 30 debit card non-PIN transactions per month, OR
     - $15,000 in aggregate loan, credit card, and mortgage balances, OR
     - $1,500 or more minimum daily balance in Basic Checking account 
Minimum deposit $25 to open account. For each month the qualifying relationship requirement is not met, a $5 monthly service fee will apply. Please see fee schedule for applicable fees. Certain restrictions apply.

***This account is only available to those aged 17 and under. Account will auto rollover to a Basic Checking account when the minor turns 18. Adult signer required. Certain restrictions apply.

1 Wireless carrier fees may apply.

2Overdraft 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.

3Courtesy Pay
This service allows you to overdraw your account up to the disclosed limit to pay transactions. Fee: $32 per item. Limits are $400 for Basic Checking and $700 for Advantage 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.