Everyday Checking
EVERYDAY CHECKING FEATURES
Make your banking easy.
- Set up direct deposit and get your paycheck up to two days early.*
Learn More
*With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.
- From one-on-one coaching to webinars, you'll be equipped with money tips, tricks, and tools.
Learn More
- ClickSWITCH will quickly and securely move direct deposits and recurring payments to your Y-12 Credit Union account.
Learn More
- Enjoy easy access to our 20,000+ fee-free ATM network.
Learn More
- Access your accounts anytime, anywhere with our Digital Banking app.
Learn More
FREQUENTLY ASKED QUESTIONS
We've got answers.
- Our Everyday Checking boasts convenience and ease with no requirements, hassles, or obligations. With a free Visa debit card, free ATM transcations within our nationwide co-op ATM network, and a seamless Digital Banking platform, take advantage of a simplified checking account experience.
- Open an account easily online, at a branch, or through video banking.
- Nope! No account fees, requirements, or worries. Please note that paper statements and additional services may incur a fee.
- We're glad you asked! Our High Yield Checking Account is right up your alley. Check it out here.
- Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
- With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
- As a credit union, we make decisions with a member-first approach. Your success is our success.
- Switching your account from another institution won't be a headache. Our free online tool, ClickSWITCH, will securely transfer direct deposits and recurring payments to your Y-12 Credit Union account.
- From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.
RESOURCES
Need additional help?
*Rates effective as of 04/01/2024. APY is Annual Percentage Yield. Rate subject to change after account is opened. Third party data or messaging rates may apply.
