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Checking Accounts

Banking that works for you

Banking Made Simple, Bright, and Personal

Whether you're managing monthly bills, shopping for groceries, or sending money to family, Sunmark's checking accounts make everyday banking simple and rewarding. Our local credit union offers multiple checking options designed to fit your lifestyle and budget. 

Every Sunmark checking account includes essential benefits at no cost: online and mobile banking, free bill pay, direct deposit, and access to our nationwide ATM network. Plus, you'll enjoy the personal service and community focus that only a local credit union can provide. 

With just $20 to open any checking account, you can start enjoying the Sunmark difference today. Let your bright shine with checking that puts your financial goals first. 

Find your Perfect Checking Account

Kasasa Cash® Checking*

Earn high interest for activities you already do - part of a movement to reward people for banking locally.

  • 6.00% APY on balances up to $15,000
  • ATM fee refunds up to $25/month
  • No minimum balance to earn rewards
  • No monthly maintenance fee

Kasasa Cash Back®^ Checking

Get cash back on debit purchases plus high interest on your balance. Free checking with real rewards. 

  • 2.50% cash back on purchases 
  • Up to $90 cash back yearly 
  • ATM fee refunds up to $25/month 

Sunmark Signature Checking

Premium checking with dedicated concierge service and exclusive benefits. Interest-bearing account with VIP perks.

  • 1.00% APY on balances of $1,000 and over^^
  • Free Sunmark Signature checks & cashier checks 
  • No domestic wire transfer fees 
  • No Sunmark ATM/POS pin transaction fee 
  • No monthly maintenance fees^^

Simple Checking

Perfect for straightforward banking needs. No frills, just reliable checking with all the essentials.

  • No minimum balance required 
  • First box of checks free 
  • $20 minimum opening deposit 
  • Overdraft Privilege 

Student Checking

Designed for ages 14-24. Build smart money habits early with free checking plus special student benefits.

  • No minimum balance required 
  • First box of checks free 
  • $20 minimum opening deposit 

Ready to Make the Switch?

Opening a Sunmark checking account takes just minutes. With only $20 to start and no hidden fees, you can begin to enjoy better and brighter banking today!

*Kasasa Cash is a variable rate checking product, and rates are subject to change. 

1.00% to 6.00% blended APY.  Blended APY calculation is based on an assumed total account balance of $115,000. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Checking account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Qualification Information: To earn monthly rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: (a) At least 1 direct deposit or ACH credit (b) At least 18 debit card purchases, (c) Be enrolled in and have agreed to receive e-statements rather than paper statements. "Monthly Qualification Cycle" means a period beginning on the last business day of the previous month and ending one (1) day prior to the last business day of the current month. Specific Monthly Qualification Cycle dates may be affected by holidays. Specific Monthly Qualification Cycle dates can be viewed here. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. 

^APY = Annual Percentage Yield. To earn dividend, the following must take place each month: (a) At least 1 direct deposit, ACH payment, or bill pay transaction(s), (b) At least 12 debit card purchases, (c) Be enrolled in and have agreed to receive e-statements rather than paper statements. If terms are not met, APY will be 0.05%. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.  For additional details, please visit www.sunmark.org/bank/kasasa/kasasa-cash-checking OR for full details on Kasasa definitions, qualifications, rates, fees, and other information please see the “Master Account Agreement & Disclosures” and “Rate Addendum and Schedule of Fees and Charges.” These documents can be provided upon request.

^^Minimum balance to open account is $1,000.00. If average daily balance falls below $1,000 a $25.00 fee will be applied for each month the account balance does not meet the requirement. Must maintain daily balance of $1,000 to earn APY. 

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