Your savings goal may be big or it may be small. Either way, it’s your goal. And the Select Savings Account can help you get there.
Bonus Checking Account
BONUS CHECKING ACCOUNT
Get all the flexibility life demands
Built-in features designed to meet your unique needs.
Earn
Get 1% dividends with 20 debit card purchases*
ACCESS
Use ATMs worldwide, with NO fees^
DEPOSIT
Quickly deposit checks remotely with Civic digital deposit‡
Early access and total control
The Bonus Checking Account is designed to move at the speed of your life. Get access to your direct deposits† up to three days sooner using the early deposit feature. Use online or mobile banking to set up and organize your bills, deposit checks digitally, and link your debit card to your preferred mobile wallet.
Enjoy more benefits with the Bonus Checking Account:
- Get 1% dividends with 20 debit card purchases.
- Use ATMs worldwide, with NO fees.
Learn more with our You + Money blog post: The Top 3 Ways to Earn Money with a Personal Checking Account.
Stay on track, spend better
Make progress toward your goals with real-time expense monitoring and financial wellness tips. You can even link accounts from other organizations for a 360° view of your complete spending history.
Want more security? Use the app to enable text alerts.‡ We’ll notify you right away about any suspicious transactions. Overdraft protection~ is also available to help you handle any unplanned purchases and stay on track.
Earn as you spend
You work hard, and so should your checking account. When you make 20 debit card purchases, we reward you with 1% dividends on balances up to $10,000.*
Pay old school with checks
Need checks? Send us a request and we’ll give you a complimentary box of checks to get things started.
Speed up checkout with no touch, connected payments
Connect your account to your mobile‡ wallet to make paying merchants quicker and more convenient. Link your card to all the following services:
- Apple Pay®
- Samsung Pay®
- Google Pay®
- Mastercard® Click to Pay
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to keeping it local
Local governments are essential for building a strong economy, increasing the standard of living and serving North Carolinians. And at Civic, we’re embedded in the local economy, offering equitable products and positive financial returns for our members, small businesses and nonprofits.
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to people
Our mission is people, not profits. We resolve to put the needs and well-being of individuals, families and communities first. And in everything we do, we cultivate practices of embracing our differences through a policy of diversity, equity and inclusion for all.
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to prosperity
We engage in an active use of finance to do good while helping our members to do well. This means we offer member-focused benefits like equitable dividends, low fees, better interest rates and products that help you get ahead.
You know that details matter. [and you are in good company.]
View All FAQs
Here are a few frequently asked questions:
Disclaimer
* 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.
† 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.
‡ Standard message and data rates apply. Please check with your carrier for details.
~ Overdraft Transfer Service is available from a Checking, Savings, or Money Market account with no minimum increments or transfer fees. Members may also apply for an overdraft Line of Credit from which transfers are made in increments of $50 up to available limits.