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Free Yourself from ATM Fees

Every ATM. No Fees. Every Time.^


With Civic, being ATM fee-free is only the beginning.

ATM Reimbursement
ATM Locations

Watch this ATM video

We reimburse you anytime they charge you a fee. Every time. No limits or caps. Because accessing your own cash shouldn’t cost you money. With Civic, being ATM fee-free is only the beginning.

Earn more dividends with your debit card purchases when you open a Bonus Checking Account.


We pay up when you purchase

  • 1.00% dividends*
  • No monthly fees
  • Use ATMS worldwide, with NO fees^
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Download the App

Download the Civic mobile app# to unlock fast, safe and secure ways to manage your money.

Download Civic App Today
You know that details matter. [and you are in good company.]

Here are a few frequently asked questions:

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* 1.01% APY = Annual Percentage Yield. Applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. Upon qualifying, the 1.01% APY dividend will be applied to your average daily account balance during the following month up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit for the Civic Bonus Checking Account is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.

^ Fees applicable to any ATM network will be charged to member account and reimbursed to the same account by Civic, typically within two business days.

# Message and data rates may apply.

Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to three days earlier than the payer’s scheduled payment date.