Better checking starts here.
EASY & FREE WITH ESTATEMENTS
Everyday Checking
This simple solution for financial ease comes with hassle-free banking and a side of effortless money management.
EARN MORE & GET REWARDED
High Yield Checking
Enjoy top-tier dividends, convenient account access, and extra rewards to grow your balance effortlessly.
- Set up direct deposit and get your paycheck up to two days early.*
*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.
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- Pinwheel is a digital platform that makes switching your direct deposit from one financial institution to another easy. With partnerships across thousands of payroll platforms and employers, Pinwheel does all the heavy lifting for you when making the switch.
- Pinwheel is a free service with no fees.
- Your switch should be processed within 1-2 pay cycles.
- Once your direct deposit is sent to the Credit Union, it will post in your account by the settlement date listed.
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- Enjoy easy access to our 20,000+ fee-free ATM network.
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- Access your accounts anytime, anywhere with our Digital Banking app.
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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 transactions within our nationwide co-op ATM network, and a seamless Digital Banking platform, take advantage of a simplified checking account experience.
- A High Yield Checking account earns more and gets rewards. With a free Visa Rewards Debit Card, free ATM transactions within our nationwide co-op ATM network, and a seamless Digital Banking platform, sometimes more is more.
- 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 direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits 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?
1. Receive $300 when you open a new checking account and receive $500 or more in recurring monthly Direct Deposits within 90 days of account opening. Bonus will be deposited on the last day of the month following the second consecutive qualifying Direct Deposit. Limit one bonus per member. Existing members with a checking account are not eligible. Account must be opened 5/1/2026–7/31/2026. Valid only at former FSB branch locations. Cannot be combined with other offers.
2. APY is Annual Percentage Yield. Effective 03/01/2026 , 3.50% APY applies to balances up to $15,000; 0.05% APY applies to balances over $15,000. To earn dividends and avoid the $5 monthly service fee requirements must be met: 15 cleared and posted debit and/or credit card combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. If requirements are not met dividends will not be paid. Requirements are waived for members age 14-23. Rates subject to change after account opening. Fees may reduce earnings.
3. PIN-based transactions are excluded.
4. 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.
