
Checking accounts
Overview
When you bank with Thrivent Credit Union, you choose the checking option that meets your needs, from free benefits to special features.
Simply Checking
Meet your basic checking needs with this simple account.
- 4 free ATM withdrawals (including ATM owner fees) per month¹
- No minimum balance, no monthly fee
- Free overdraft protection from line of credit2, savings3 or money market3
- Mastercard® contactless debit card
- Mobile banking with check deposit
- Online banking with bill pay
Thrivent Rewards Checking
Enjoy the features of Simply Checking but discover more benefits with this enhanced account.
- Unlimited ATM withdrawals (including ATM owner fees)
- No minimum balance, no monthly fee
Competitive APY - RoundUP eligible
- Requires direct deposit or completion of 5 bill-pays and 10 point-of-sale purchases every month⁴
Simply Checking
Meet your basic checking needs with this simple account.
- 4 free ATM withdrawals (including ATM owner fees) per month¹
- No minimum balance, no monthly fee
- Free overdraft protection from line of credit2, savings3 or money market3
- Mastercard® contactless debit card
- Mobile banking with check deposit
- Online banking with bill pay
Thrivent Rewards Checking
Enjoy the features of Simply Checking but discover more benefits with this enhanced account.
- Unlimited ATM withdrawals (including ATM owner fees)
- No minimum balance, no monthly fee
Competitive APY - RoundUP eligible
- Requires direct deposit or completion of 5 bill-pays and 10 point-of-sale purchases every month⁴
With members as owners, we are intentional about eliminating unnecessary fees and protecting your money. See our full service fee brochure .
Open an account
Bring balance to your spending with a checking account from TCU.

Turn extra change into meaningful savings with our new RoundUP tool. Every time you swipe your Thrivent Rewards Checking⁵ debit card, we'll "round up" each purchase to the nearest dollar and put the change into a savings account of your choice. The best part is that it's free and gives you the opportunity to save hundreds more a year.
It's easy to get started:
It's easy to get started:
- Add the feature to your checking account through our Online Banking portal.⁶
- Have your account numbers ready, review, and agree to the terms and conditions easily
online . If you need assistance with your checking account numbers, please call us at 866-226-5225. - Watch for one comprehensive deposit, each business day, from your checking account straight to your savings account with your RoundUP total.⁷
1 Four (4) free ATM withdrawals (with reimbursed ATM owner fees). For each ATM withdrawal, after four (4), $1 fee plus any ATM owner fees.
2 Line of credit is subject to credit application, qualification and approval.
3 Overdraft protection made in $100 increments
4 If direct deposit or activity is not maintained, account will be transferred to Simply Checking after a 3-month period.
5 This feature is only available with the Thrivent Rewards Checking account.
6 Must be previously enrolled in online banking. If not enrolledsign up here . It may take up to 48 hours for your enrollment in RoundUP to take effect.
7 Deposits for transactions made on Saturday, Sunday or a Federal Holiday will post on the following business day.
2 Line of credit is subject to credit application, qualification and approval.
3 Overdraft protection made in $100 increments
4 If direct deposit or activity is not maintained, account will be transferred to Simply Checking after a 3-month period.
5 This feature is only available with the Thrivent Rewards Checking account.
6 Must be previously enrolled in online banking. If not enrolled
7 Deposits for transactions made on Saturday, Sunday or a Federal Holiday will post on the following business day.