Momentum Checking

Earn up to 4.00% APY on balances. The more debit card purchases you make in a month, the more you'll earn.

Open an Account

Earning 4.00% APY* is as easy as 1...2...3...

1. High Returns

Earn higher returns on your free Momentum Checking balances up to $15,000 just by using your debit card. The more you use your card, the more you will earn! 

10-19 monthly purchases will earn 0.75% APY*

20+ monthly purchases will earn 4.00% APY*

2. Direct Deposit with Early Pay

Direct deposit $500 or more a month into your free Momentum Checking account, plus, you'll receive your pay up to 5 days early with early pay+

3. E-Statements

Get your statements earlier and reduce clutter by going paperless. It's safe, easy, and a great way to stay organized, all while reducing waste and shrinking your carbon footprint . 

Person using tap to pay

Easily Track your Debit Card Purchases to EARN MORE!

With the Momentum Checking Tracker you can quickly see what earning level you are on.  Simply, view the 'Momentum Checking Tracker' which is located on the Accounts Menu within Mobile & Online Banking. 


Put Your Money To Work

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30,000 Surcharge-Free ATMs

Receive free access to 30,000 surcharge-free ATMs throughout Michigan and across the nation.

Mobile Banking with Remote Deposit

Manage your money on the go with just the swipe of a finger through our Mobile Banking app. Plus, deposit your checks without ever needing to go into a branch. 

Free Checking & Earn Up to 4.00% APY* 

GET MORE from your checking with no minimum balance fees, no maintenance fees, plus, the ability to earn a high-yield just by using your debit card. 

Get Paid Up to 5 Days Early with Early Pay

Enjoy access to your eligible Direct Deposits up to five days sooner - for free - with Early Pay+!

Switch to a Free Momentum Checking Account

  • Open an Account
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*Annual Percentage Yield (APY) as of 10/1/2022. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.

+ Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the US to use Zelle.