RateHerald

APY

3.00%

As of Nov 8, 2026. Rates are variable.

Everwise · Checking account

Everwise Max Checking

−$180 a year for an everyday customer. $20 a month. No minimum to open.

Checked Nov 8, 2026Updated

A year, everyday customer
−$180
APY
Monthly fee
To open

Offer

Bonus

$250

$500 in direct deposits within 60 days. About $250 a month for 2 months.

Everwise Max Checking · Everwise · for new customers

No end date postedMeet it within 60 daysNew customers only

“Open an eligible checking account online or at a branch using promo code GET250, then within 60 days of account opening enroll in eStatements, make at least ten Debit Mastercard purchase transactions, and make qualifying electronic deposits totaling $500 or more.”The bank’s page, checked Nov 8, 2026

Can you meet it? The bank bonus finderAll bank bonuses

Against the market

How it ranks

#931of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Debit card
  • Debit rewards
  • Early direct deposit
  • Free checks
  • Interest bearing
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

APY paid on balances up to
$10,000everwisecu.com, checked Nov 8, 2026

Fees

Monthly fee
$20 a montheverwisecu.com, checked Nov 8, 2026
Ways to avoid the monthly fee
Any one of these:
  • $4,000 in electronic deposits
  • a $4,000 average balance each month
everwisecu.com, checked Nov 8, 2026
Minimum to open
Noneeverwisecu.com, checked Nov 8, 2026
ATM network
Alliance One and CO-OPeverwisecu.com, checked Nov 8, 2026
Out-of-network ATM fee
$2.50everwisecu.com, checked Nov 8, 2026

Who can open it

Membership
Membership required:
  • Anyone that lives or works in the Indiana or Michigan counties or townships we serve; in Indiana, all counties except Marion County, which goes by township; in Michigan, Berrien and Cass Counties and specified townships in Oakland & Macomb Counties.
  • Immediate family member of an existing Everwise Credit Union member. In Indiana, this includes parents, spouse, children, step/adopted/foster children, brothers, sisters, aunts/uncles, nieces/nephews, grandparents, grandchildren, father/mother-in-law, son/daughter-in-law, and brother/sister-in-law. In Michigan, a parent, child, or sibling who lives in the same household as an existing member.
  • In Michigan, a non-family member who is a dependent of the member according to tax filings and lives in the same household.
everwisecu.com, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on everwisecu.com

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