CHECKING ACCOUNTS

For every age and
every stage.

Check the fit.

There's one made for you.

As you and your money grow, your checking account should too. Take a moment to check the fit — does it meet your needs today and support your next step? Whether you need affordability, personal finance tools, or extra perks, we have four great checking accounts to choose from.

debit card

Visa® Debit Cards Avenir 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
Open an Account
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
Open an Account
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
Open an Account
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
Open an Account
Features Rize1 strive aspire thrive2
Monthly Fee FREE FREE $5 $12
Min. Deposit to Open Account No $25 $25 $25
Waive Monthly Fee With No No Yes Yes
Direct Deposits and No No $500 $1,500
Minimum Daily Balance No No No $1,500
Earns Dividends No No No Up to 3.00% APR*
Courtesy Pay & Limits3 No No $200 $700
Overdraft & Fees4 No $5 $5 $5
Loan Rate Discount No No No 0.25% APR**
Certificate Rate Bump No No No 0.25% APY**
Fee Reversal (one time courtesy) No No No 1 per year
Free Stop Payments No No No 1 per year
Waive Rush Card Fee No No No 1 per year
Online Banking & Bill Pay5 Yes Yes Yes Yes
Tellerphone Yes Yes Yes Yes
Money Management Yes Yes Yes Yes

*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.

 

HAVE WE MET?

A little about us.

Avenir Financial is a not-for-profit financial cooperative that has been uplifting communities in Arizona, California, Nevada, and New Mexico for over 83 years. We're committed to making a lasting impact through affordable banking, accessible resources, and compassionate financial guidance. No matter where you are on your financial journey, we're here to help you move forward with confidence.

Become a member today