Skip To Main Content
×

We provide links to third party websites, independent from Thinkwise CU . These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of Thinkwise CU . Click "CONTINUE" to proceed or click the "RETURN TO SITE" to stay on this site.

CONTINUE

Routing Number: 322282616

Savings Accounts Checking Accounts Certificates Savings Rates Friends With Benefits
Auto Loans Recreational Loans Personal Loans Credit Cards Home Loans Student Loans Calculators Loan Rates Beat Your Rate
Contact Us Hours & Locations ATM Finder Who We Are Newsletters Your Money Insured
VISA Rewards Member Rewards Book An Appointment Donation Request Forms CU Plan How Do I? Financial Literacy Disclosures Auto Buying Guide
New Events

Rethink

with Thinkwise CU

shutterstock_1174117057.png

Checking Accounts

Get the overdraft protection you need, without paying more in fees!

  • Monthly Fee: $12.00
  • No minimum balance
  • No minimum opening deposit
  • Thinkwise debit cards now earn one point for every three dollars spent that can be used toward travel and merchandise
  • Points earned on eligible transactions only
  • Overdraft Fees per Item: $10.00
  • An Overdraft Privilege Limit of $500 or up to $750 on accounts setup with direct deposits will be granted to eligible accounts.
  • Checking account(s) must be opened for at least 35 days and be in good standing to be eligible for the Overdraft Privilege Program.
  • Includes the following additional account benefits:
    • IDProtect®1 – Identity Theft Monitoring and Resolution Service that includes 3-in-1 credit file monitoring2*, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert*, total identity monitoring*, ID theft resolution services, and up to $10,000 in identity theft expense reimbursement3.
    • Cell Phone Protection3 with up to $400 of repair or replacement cost. (Cellular telephone bill must be paid with Wise Checking account.)
    • Accidental Death & Dismemberment Insurance3
    • Debit Advantage®3 – Buyer’s Protection and Extended Warranty3 (Item(s) must be purchased in full with Wise Checking account)
    • Travel & Leisure Discounts*
    • $hopping Rewards™*
    • Health Discount Savings4*
  • Unlimited Check Writing
  • Unlimited boxes of checks per calendar year
  • Unlimited official checks OR money orders per month
  • One gift card activation fee waived per month
  • Two foreign ATM transaction fees waived per month5
  • Privilege Pay or Overdraft Protection (Eligibility Required)
  • Card Controls via your smart phone
  • 24/7 Access to your Account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to Visa Check/Debit Card
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide
  • Additional benefits coming in 2023!

Registration and activation for your Wise Checking benefits are easy! Just go to eClubOnline.net and enter the passcode given to you by your credit union. Call 1(866) 210-0361 for more assistance.

Identity theft protection and other attractive benefits make this account a great choice for everyone.

  • Monthly Fee: $6.00
  • No minimum balance
  • No minimum opening deposit
  • Thinkwise debit cards now earn one point for every three dollars spent that can be used toward travel and merchandise
  • Points earned on eligible transactions only
  • Overdraft Fees per Item: $20.00
  • An Overdraft Privilege Limit of $500 or up to $750 on accounts setup with direct deposits will be granted to eligible accounts.
  • Checking account(s) must be opened for at least 35 days and be in good standing to be eligible for the Overdraft Privilege Program.
  • Includes the following additional account benefits:
    • IDProtect®1 – Identity Theft Monitoring and Resolution Service that includes 3-in-1 credit file monitoring2*, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert*, total identity monitoring*, ID theft resolution services, and up to $10,000 in identity theft expense reimbursement3.
    • Cell Phone Protection3 with up to $400 of repair or replacement cost. (Cellular telephone bill must be paid with Wise Checking account.)
    • Accidental Death & Dismemberment Insurance3
    • Debit Advantage®3 – Buyer’s Protection and Extended Warranty3 (Item(s) must be purchased in full with Wise Checking account)
    • Travel & Leisure Discounts*
    • $hopping Rewards™*
    • Health Discount Savings4*
  • Unlimited Check Writing
  • One complimentary box of checks per calendar year
  • Two complimentary official check OR money order per month
  • One gift card activation fee waived per month
  • Two foreign ATM transaction fees waived per month5
  • 0.10% Share Certificate rate bump
  • Privilege Pay or Overdraft Protection (Eligibility Required)
  • Card Controls via your smart phone
  • 24/7 Access to your Account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to Visa Check/Debit Card
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide

Registration and activation for your Wise Checking benefits are easy! Just go to eClubOnline.net and enter the passcode given to you by your credit union. Call 1(866) 210-0361 for more assistance.

  • No monthly service fee
  • No minimum balance
  • No minimum opening deposit
  • Overdraft Fees per Item: $25.00
  • An Overdraft Privilege Limit of $500 or up to $750 on accounts setup with direct deposits will be granted to eligible accounts.
  • Checking account(s) must be opened for at least 35 days and be in good standing to be eligible for the Overdraft Privilege Program.
  • Access to Visa Check/Debit Card
  • Thinkwise debit cards now earn one point for every three dollars spent that can be used toward travel and merchandise
  • Points earned on eligible transactions only
  • Unlimited Check Writing
  • Card Controls via your smartphone
  • 24/7 access to your account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide
  • Privilege Pay or Overdraft Protection (Eligibility Required)

We understand that life happens, and from time to time, an unexpected overdraft may occur. With our overdraft privilege and overdraft protection coverage, you have nothing to be worried about. As a member of Thinkwise CU, we always have your back!

*Registration/activation required

1) IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

2) Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

3) Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and/or insurance document provided at account opening.

4) This is NOT insurance.

5) Member must contact us within 30 days of the transaction to request the ATM fee transaction reimbursement.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.