Bonus Checking Account

Woman using a mobile banking app for online checking

Get all the flexibility life demands

Built-in features designed to meet your unique needs.


Get 1% dividends with 20 debit card purchases*


Use ATMs worldwide, with NO fees^


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.

Lady laughing with friends

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.

Manage your online checking account from the Civic mobile 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.

Signing check

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
Lady paying with phone

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 $60,000
  • 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:

Discover your success
Civic Membership

You Belong Here

Here, you’re part of a community that puts community first.

We believe everyone plays a role in supporting their community. Our focus is improving the financial lives of the people dedicated to making a difference: local government members; first responders; community leaders, supporters and volunteers; you and your family.

Our commitment

Our mission is people, not profits. Civic gives you simple access to affordable financial services and opportunities to help you reach your financial goals and to help local communities thrive.
Your voice matters
Civic Membership 2

You Belong Here

Here, you are part of a larger picture. You are among other people in local government who are learning to make better money decisions and improve their lives.

Your voice matters

Your ownership in Civic is represented by your Select Savings Account. This account is the foundation of our partnership together and represents your ownership stake in the credit union. We are owned and governed by our members. You’ll be invited to our annual meetings where you will be able to vote on matters related to Civic. We value you.
Other ways to Join
Civic Membership 3

You Belong Here

Here, you are part of a larger picture. You are among other people in local government who are learning to make better money decisions and improve their lives.

Other ways to Join

If you’re not a local government employee or related to a person working in that space, this is a great option for you or your business. During the membership process, you’ll be asked to complete a short questionnaire that helps us get better at meeting your needs. And, from time to time – we’ll send you surveys to check on the progress of our improvement or to get your opinion on things.


* 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.