High-yield checking – earn up to 4.07% APY* each month
Members Choice Complete Checking™ is a high-yield checking account that also earns cashback rewards on everyday debit card purchases to help you earn more on your money.
Plus, this all comes with an "Early Pay" feature to get paid up to two days early, no monthly service fees, and no minimum balance requirements. It’s truly frustration-free checking.
Earn higher yields to save moreEarn up to 4.07% APY* with no minimum balance requirements.1 Plus, debit card cashback rewards add more money in your pocket.2
Get paid early with Early PayWhen you set up any direct deposit, you can get paid up to two days early.3 An exclusive, free feature, and only with Complete Checking!
Skip the monthly feesYou’ll never receive a monthly service fee, regardless of your account balance. And there are no service fees to talk to a live representative in person or by phone.
Explore Complete Checking
High-yield dividend rates
Our Complete Checking account will pay you monthly interest on your account balance. You’ll earn more interest than with other savings account options, but with all the freedom a checking account offers.
Balances up to $2,000 can earn 4.07% APY. That’s 57x the National Checking Interest Rate!*
Debit Mastercard® cashback rewards
Our debit card is free and has no limit on the rewards you can earn, so you can relax and see your cashback rewards grow as you use it for everyday spending.
Earn unlimited cash back rewards on all Debit Mastercard® purchases2
- Cashback rate is 0.10% on all debit card related purchases – both in person and online
- No cashback transaction limitations — unlike other options, there are no monthly purchase limits on your cashback rewards
- Cashback rewards are paid monthly
Get paid up to two days early
Plus these benefits4
- No monthly maintenance fee
- Overdraft protection up to $600 with Choice Pay
- Debit Mastercard®
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Bill Pay
- eAlerts & eStatements
- Unlimited check writing
- Person-to-person payments (when linked to your Debit Mastercard®)
- Member Referral Rewards
- Access to over 55,000 ATMs worldwide
- ATM fee rebates (Members Choice and Foreign) up to $25/month
- No minimum deposit to open
- No minimum balance requirement
- Debit Mastercard® (to receive the debit card rewards)
Account requirements to receive monthly dividend payout
- Total monthly direct deposits of $150 or more
- Ten or more Debit Mastercard® purchases a month
- eStatements only
Fill out the short form below to hear back within the next business day.
Are you ready to get rewarded?
Open a Complete Checking Account Online
For existing members, if you already have a checking account and want to request a checking conversion, please follow any of the below steps:
FAQs about Complete Checking
How does Early Pay work?
Possibly. There are a few factors that impact the delivery of your direct deposit. You might get your direct deposit between two days earlier and on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:
- You recently set up direct deposit for the first time
- Your deposit type is not eligible, such as a bank-to-bank transfer
- There’s a payroll system issue from your payer
- You reached the transaction limit or monthly deposit dollar limit for early processing
- Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday
- Login to online banking
- Select eDocs from the Accounts menu
- Select the Delivery Preference you would like to change – either all accounts or just select accounts
- Select save
- Review and accept to the site terms
Looking for our personal checking options?
Explore Complete Checking
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Perfect for students, ages 15-22, looking to have access to a debit card for purchases, manage their finances, and build a banking history. Learn more about Student Checking
*APY=Annual Percentage Yield. National Checking Interest Rate data as of June 20, 2023.
1 Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle.
Complete Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier.
2 Debit Cashback Rewards: If the account qualifications are met for a monthly qualification cycle for the Complete Checking account (monthly eStatements, initiate a minimum of (10) debit card purchases per month, and maintain an aggregate minimum direct deposit of $150.00 to this account per month), you will be refunded .10% of the amount of debit card purchases posted to your account during that cycle. There is no limitation to the amount of cash back you receive in any Monthly Qualification Cycle.
3 Early Pay: Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.
4 ATM Fee Rebates: For any Complete Checking account, if you have met your qualifications during the monthly qualification cycle (monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month), we will reimburse you for ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for one qualification cycle. ATM fee rebates will be transferred to your checking account. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.