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Get all the flexibility life demands

Built-in features designed to meet your unique needs.


Get 1% dividends with 20 debit card purchases*

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Use ATMs worldwide, with NO fees^

Remote Deposit App

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.

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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.

Phone app

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.*

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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.

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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
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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.

Select Savings

Stash your cash, reach your goals

  • High dividend yields
  • Goal tracking
  • Establishes Civic membership
learn more

Be ready for planned and unplanned purchases. Choose to protect yourself with a Personal Line of Credit.

Personal Line of Credit

Planned or unplanned, you’ve got options

  • Loans up to $30,000
  • Use as overdraft protection
  • No pre-payment penalties
learn more
You know that details matter. [and you are in good company.]
Here are a few frequently asked questions:

Yes, that’s right! Here’s how it works. Anytime you get charged an ATM fee, we’ll reimburse your account. There are no limits either. Give us about two days, and you’ll see the fee rebate show up in your account. As a Civic member, you will never pay any ATM fees from anywhere at anytime.

Yes! We’ve got options when you want to go old-school. Your first box of standard Civic checks are complimentary. If you need checks, just let us know. We will get them ordered and sent to your address on file.

When you first open your account, there is a $5 requirement. Once the account has been opened, there are no minimums. So, if your active account falls below the initial $5 requirement, it’s completely okay [and there are no fees].

Each account owner gets their own debit card. That way, each person has the flexibility to use Civic the way they prefer. Want your card to go further? Link it to a digital wallet like Apple Pay®, Samsung Pay®, Google Pay® or Mastercard® Click to Pay.

Right from the start, we encourage you to designate one or more of your accounts as an overdraft option. This way, if a transaction cannot be covered – and there’s funds available in a designated account - we can move what’s needed to cover the charge. If you select a deposit account as a transfer option, we'll transfer exactly what is needed to cover the charge. If you designate a loan account, transfers happen in increments of $50. This important overdraft protection step prevents insufficient funds fees. So, when you select overdraft transfer options, you can use a Select Savings, Money Market, Rewards Credit Card, Personal Line of Credit or another Bonus Checking account. And you can combine options together.

Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $15 fee. To avoid this, enroll your account in overdraft protection.

If a charge comes through your account and your balance cannot support the charge, we can transfer the funds needed to cover the charge from your designated overdraft account(s). To set up this service, contact the Experience Center.

For each month you use your card at least 20 times, we pay a dividend rate bonus. Whether your purchase is in person, online or with your digital wallet - it all counts towards your 20 uses. This bonus dividend is one of the ways we say thanks for being a member.

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (052185723

Many Employers and Government Entities that provide Direct Deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the Paying Entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form. 

download arrow  Civic Direct Deposit Authorization Form


* 1.00% APY 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. This bonus dividend rate is paid on balances up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit 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 then refunded to the same account by Civic within two business days. Rebated funds will be available for use following the credit union’s nightly batch processing.

# Data fees may apply. Please check with your service provider.

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.