Free Checking

It's Your Choice!


Want an absolutely free checking account that offers rewards and ATM refunds?


Cash Back Checking¹

Reward Checking¹


Reward 2.5% cash back on up to $300 in debit card purchases Up to 1.50% APY on checking balance
ATM Refunds Yes Yes
Monthly Fee No No
Balance Requirement No No

Apply Now

Apply Now


To earn Cash Back or Interest Rewards, simply complete the following qualifications each month:

  1. Recieve e*Statements instead of paper statements.
  2. Make 10 posted and cleared debit card transactions.
  3. Have at least one automatic deposit or automatic payment.

If you don't meet these qualifications, there are no penalties and the checking account is still free.


Free Advantages – available with all checking accounts

  • JCU Mobile Banking - apps, mobile browser, and text banking
  • Online Banking - transfer between accounts and check histories online
  • Online Bill Pay - a secure way to make payments of any kind
  • VISA Debit Card - instant creation and activation
  • ATM Access - over 25,000 no-fee ATM's nationwide
  • e*Statements - online account statement
  • Account Alerts - alerts for your cell phone, e-mail or other wireless device
  • Cash Advances - with direct deposit and overdraft protection
  • Re-order Checks - re-order checks in person, online, or over the phone
  • Coutesy Pay Option - an overdraft option that covers insufficient funds purchases up to $500 ($20 fee each time overdraft funds are used).

Relevant Links: JCU Mobile | Sign up for e*Teller | iN Accounts | Bill Pay | Account & Membership Agreement

¹Annual Percentage Yield (APY) accurate as of 11/01/2012. On approved credit. All qualifications must be achieved each cycle to earn cash back or 1.50% APY. For Personal accounts only (1 account per SSN). ATM refunds up to $20 are provided as long as qualifications are met each qualification cycle. All qualification transactions on the account must be posted and cleared during the qualification cycle, which could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made (ATM withdrawals do not qualify). Rates subject to change. Fees may reduce earnings. Reward Checking: 1.50% APY applies to balances of $0.00-$10,000, 0.25% APY applies to balances over $10,000, and 0.05% APY applies if you don’t meet any qualifications. Instant creation & activation not available at Midvale location.

Todays Best Rates

Type F/V Term APR
≤75,000 miles Fixed 4 Years 2.70%*
≤75,000 miles Fixed 5 Years 2.90%*
>75,000 miles Fixed 5 Years 3.25%*
Type F/V Annual Fee APR
Platinum Variable None 7.90%*
Preferred Variable None 11.5%*
Classic Variable None 12.5%*
Savings F/V Term APY
CD Fixed 5 Years 1.81%*
Money Market Variable n/a 0.20%*
IRA Variable n/a 0.25%*
Rates Effective March 1, 2013
*Rates subject to change. On approved credit.
view more ratescalculate payment