Thinkwise CU | Checking Accounts
Everyday banking made simple

Checking that works as hard as you do.

From no-monthly-fee essentials to added protection and perks, Thinkwise Credit Union checking accounts are built for convenience, access, and everyday value.

BECOME A MEMBER Compare Checking Options
30,000+ Co-Op ATMs nationwide
5,000+ CU Service Centers
24/7 Digital banking access
Thinkwise debit card

Looking for a checking account that goes above and beyond?

Thinkwise CU checking accounts are designed for real life. Every account includes a Visa debit card, mobile and online banking, bill pay, nationwide ATM access, Scorecard Rewards, and overdraft options for eligible members.

Rewards on debit spending Earn 1 point for every $3 spent on eligible purchases.
Flexible overdraft options Eligible accounts may access overdraft privilege up to $500 or up to $750 with direct deposit.
Nationwide convenience Access over 30,000 Co-Op ATMs and more than 5,000 service centers.
Digital control Manage card controls and account access from your smartphone.

Choose the checking account that fits your style.

Whether you want a simple everyday checking account or added protection with premium benefits, Thinkwise offers an option built around how you bank.

Best for added perks & protection

Wise Checking

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

$6
monthly fee
  • No minimum balance or opening deposit
  • $10 overdraft fee per item
  • Visa debit card with Scorecard Rewards
  • Overdraft Privilege up to $500 or up to $750 with qualifying direct deposit
  • 24/7 access through mobile, online banking, and audio teller
  • Card controls through your smartphone

Included Wise Checking benefits

  • Two official checks or money orders per month
  • One box of checks per calendar year
  • One gift card activation fee waived per month
  • Two foreign ATM transaction fees waived per month
  • IDProtect®1 – Identity Theft Monitoring and Resolution Service that includes daily credit file monitoring2*, ability to request a single bureau report every 6 months or upon receipt of a credit alert*, identity monitoring*, fully managed identity theft resolution service, and up to $10,000 in identity theft expense reimbursement coverage3.
  • Cell Phone Protection3 with up to $800 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* 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.
Sign Up for Wise Benefits
Best for no monthly fee

Basic Checking

Simple, convenient, and full of everyday banking benefits.

$0
monthly fee
  • No monthly service fee
  • No minimum balance
  • No minimum opening deposit
  • Unlimited check writing
  • $25 overdraft fee per item
  • Visa debit card with Scorecard Rewards
  • Card controls, bill pay, online banking, and audio teller access
  • Overdraft Privilege up to $500 or up to $750 with qualifying direct deposit

Everyday convenience included

  • 24/7 access to your account
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide
  • Privilege Pay or overdraft protection for eligible members

Every Thinkwise checking account comes with more built in.

Both checking options include essential digital access, nationwide convenience, and everyday debit rewards designed to make banking easier.

24

24/7 Banking Access

Use mobile banking, online banking, and account tools whenever it works for you.

★

Scorecard Rewards

Earn points on eligible debit card purchases that can be redeemed for travel and merchandise.

ATM

Nationwide ATM Access

Use over 30,000 Co-Op ATMs and visit more than 5,000 service centers nationwide.

✔

Debit Card Controls

Turn controls on and off from your smartphone for added convenience and peace of mind.

Overdraft coverage when life happens.

Unexpected purchases happen. Thinkwise offers overdraft privilege and protection options for eligible members to help add flexibility when you need it most.

Overdraft Privilege

Eligible checking accounts may qualify for an overdraft privilege limit of $500, or up to $750 when set up with qualifying direct deposit.

Accounts must be open at least 35 days and remain in good standing for eligibility.

Need help getting started?

Our team can help you compare checking options, explain coverage choices, and get your account set up with the features that matter most.

Contact Us

Open your Thinkwise checking account today.

Get the convenience of digital banking, a Visa debit card, nationwide access, and the flexibility to choose the checking option that fits your life best.

Become a Member Ask a Question

Product features, eligibility requirements, and overdraft coverage are subject to credit union policies and account standing.

To Activate Your Card:
Activate your card today! Simply call (866) 619-0245 and follow the easy prompts. Alternatively, you can reach us directly at (909) 882-2911 for assistance with activation.

*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)You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.

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.