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CHECKING ACCOUNTS FOR EVERYONE
Checking and Debit Cards
For all of life's check lists.
Checking & Debit Cards
Avenir Financial offers three Checking Accounts to meet your unique checking needs. All of Avenir Financials' checking accounts offer online and mobile banking and a Visa® Debit Card to make managing your money easy and convenient.
Whether your focus is on earning dividends or simply maintaining a basic account, Avenir Financial Checking accounts provide lots of benefits.
Three options to fit
your everyday checking needs.
Advantage Checking
Avenir Financials' Advantage Checking account* helps grow your money by earning interest on daily balances of $500 or more. Our full-service checking account also includes online and mobile banking, bill pay, mobile check deposit, a Visa® Debit Card and more!
Basic Checking
Basic Checking includes basic checking services such as online and mobile banking, bill pay, a Visa® Debit Card, Courtesy Pay, and more. The monthly fee is waived with a monthly minimum (aggregate) $400 direct deposit of paycheck, social security or other recurring check and one of the following:
- 30 or more debit card non-PIN transactions per month, OR
- $15,000 in aggregate loan, credit card, and mortgage balances, OR
- $1,500 or more minimum balance in Basic Checking account
Rize Checking
Rize Checking is a free Youth Checking account with 'bumpers' for youth 17 years old and under. Rize Checking is a joint account designed for both you and your child to help build good money habits and track your child’s account.
- Visa® debit card
- Online banking & mobile app
- No minimum deposit to open
- No monthly fee
| SERVICES | ADVANTAGE* | BASIC** | RIZE*** |
|---|---|---|---|
| Visa® Debit Card with access to 30,000+ CO-OP Network surcharge-free ATMs |  |
|
|
| Online Banking & Mobile App1 | |
|
|
| Tellerphone | |
|
|
| Overdraft Protection2 | |
|
|
| Unlimited Check Writing | |
|
 |
| Courtesy Pay3 | |
|
|
| Courtesy Pay Limits3 | $700 limit | $400 limit | |
| Earns Interest | |
|
|
| Min. Deposit to Open Account | $25 | $25 | $0 |
| Monthly Fee | $6 | $5 Waived when requirements met |
FREE Must be 17 years of age and under |
Visa® Debit Cards
An Avenir Financial Visa® Debit Card makes shopping easy! Once you swipe, purchases
are automatically deducted from your checking account. Add your card to the digital wallet on
your mobile device for quick and secure access.
Avenir Financial Visa® Card Support:
- (866) 513-4132 Customer Service and Lost/Stolen Card
- (866) 985-2273 Card Activation and Personal Identification Number (PIN)
- (888) 918-7313 To Report Fraud
*$6 monthly service fee applies for Advantage Checking. Minimum deposit $25 to open account. Interest-earned on the daily balances $500 or greater. Fee may reduce earnings. Please see fee schedule for applicable fees. Certain restrictions apply.
**$5 monthly service fee for Basic Checking is waived with monthly minimum
(aggregate) $400 direct deposit (ACH), plus one of the following:
- 30 debit card non-PIN
transactions per month, OR
- $15,000 in aggregate loan, credit card, and mortgage balances,
OR
- $1,500 or more minimum daily balance in Basic Checking account
Minimum deposit $25 to
open account. For each month the qualifying relationship requirement is not met, a $5 monthly
service fee will apply. Please see fee schedule for applicable fees. Certain restrictions apply.
***This account is only available to those aged 17 and under. Account will auto
rollover to a Basic Checking account when the minor turns 18. Adult signer required. Certain
restrictions apply.
1 Wireless carrier fees may apply.
2Overdraft Protection: This service protects your accounts from
overdrafts on a checking account by automatically transferring funds to your Checking from another
Avenir Financial account or line of credit. Fee: $5 per transfer. Eligibility: Avenir Financial
Checking Account that is in good standing. Types of Transactions: All
How it Works: Funds are
automatically transferred from members linked Share Savings Account or Line of Credit to cover
overdraft. Line of Credit is available on approved credit and has competitive interest rates with no
annual fees. Overdraft Protection activates before Courtesy Pay (on account type). When all funds
are used in Share Savings Account or Line of Credit, Courtesy Pay will activate to cover remaining
transactions, within the given limits based on account type.
3Courtesy Pay
This service allows you to overdraw your account up
to the disclosed limit to pay transactions. Fee: $32 per item. Limits are $400 for Basic Checking
and $700 for Advantage Checking. Eligibility: Members have option to activate after 30 days.
Business members have option to activate after 60 days. Accounts must be in good standing and if
negative, be brought into positive within 30 calendar days. If account does not remain in good
standing, limit will be removed and debit card will be suspended. How it Works: Standard Coverage
Courtesy Pay covers overdrafts caused by the following transactions: Check, ACH, recurring debit,
Shared Branch, Online Bill Pay, Internet Telephone. Extended Coverage Courtesy Pay covers ATM and
Avenir Financial Debit Card signature and PIN-based transactions.