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
Civic has built-in features designed to meet your unique needs.
Earn
Make 20 debit card purchases and earn higher dividends1
ACCESS
Use ATMs worldwide, with fees reimbursed2
DEPOSIT
Quickly deposit checks remotely with Civic digital deposit3
Early access and total control
The Bonus Checking Account is designed to move at the speed of your life. Get access to your direct deposits4 up to three days sooner using the early deposit feature. Use online or mobile banking4 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 0.50% APY1 with 20 debit card purchases.
- Use ATMs worldwide, with fees reimbursed2
- Pay just a $1 monthly maintenance fee when you open a new Bonus Checking account
Learn more with our You + Money blog post: How to earn money with a 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.4 We’ll notify you right away about any suspicious transactions. Overdraft protection5 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 in a month, we reward you with higher dividends the next month!1
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. Additional boxes of checks are available for a fee.
Speed up checkout with no touch, connected payments
Connect your account to your mobile4 wallet to make paying merchants quicker and more convenient. Link your card to all the following services:
- Apple Pay®
- Samsung Pay®
- Google 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 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, APY of 0.50% 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 APY of 0.15%. Minimum opening deposit for the Civic Bonus Checking Account is $5. For members making less than 20 qualified purchases per month, APY is 0.15%. Rate is subject to change.
2 Civic participates in select surcharge-free ATM networks. You can find the current list of surcharge-free ATM locations at civicfcu.org/any-atm. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month, beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two (2) business days, but timing may vary.
3 Message and data rates may apply. Items transmitted using remote check deposit are subject to verification and may not be covered under our Funds Availability Policy. This means amounts over $500 are not available for immediate withdrawal.
4 Message and data rates may apply.
5 Overdraft Transfer Service is available from Checking, Savings or Money Market accounts 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.