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Checking/Debit

Our Secure Checking has many great benefits!

Financial Features

5% APY up to $5,000*

  • Debit Card
  • No Minimum Balance
  • Unlimited Check Writing


*Account terms and conditions apply.

Additional Benefits

  • Identity Theft Protection & Monitoring
  • ID Theft Expense Reimbursement
  • Identity Theft Resolution Services
  • Access to Your Credit Report and Credit Score
  • Cell Phone Protection
  • Accidental Death and Dismemberment Insurance
  • Debit Advantage (Buyer’s Protection & Extended Warranty)
  • Credit and Debit card registration to notify on your behalf if cards are lost or stolen
  • Travel and Leisure Discounts
  • Shopping Rewards (Cash Back)
  • Health Discount Savings (Prescriptions, Vision, Dental)


ALL OF THESE BENEFITS FOR ONLY $5 PER MONTH!

Receive 5% APY on your Checking account

Route 31 Credit Union offers 5% APY on your Secure checking account balance up to $5,000! (see requirements below).

Requirements to receive 5% APY on your Checking account:

  • Enroll in E-statements
  • Log in to It’s Me 247 online banking 1 (or more) times per month
  • Post and clear 12 (or more) signature-based debit card transactions to your Checking per month
  • Receive 1 direct deposit into your Checking account per month or 1 ACH payment from Online Bill Pay

Basic Checking

We also offer a basic checking account with no monthly fee for those that don’t want the added benefits. This account offers free e-statements. Paper statements are available for a small fee (see our service charge schedule for details).

HSA Accounts

We offer Health Savings Accounts as a savings account or a checking account. Both accounts earn a dividend. The HSA checking account allows you to have a debit card tied to the account, so you can pay medical expenses using your debit card.

Checking Resources

Fill out the Switch Kit below and print to send to your financial institution.