Now available! New checking accounts to help you earn cash back or round up your debit transactions to save money toward your savings goals. These accounts include easy access to funds and many options to make your life easier including:
- Free Visa® Debit Card or ATM Card
- Free Mobile Banking with Mobile Deposit
- Free Online Banking with Bill Pay*
- Free eStatements
- Free Credit Score Monitoring
- Checking Protection Options to cover overdrafts
- Check your balance or transfer funds via telephone with PAT, CODE’s Personal Audio Teller
*Bill Pay fee of $4.95 is waived if member has direct deposit of net pay, debit card and eStatements.
Smart Saver Checking
CODE’s Smart Saver Checking provides all the basic checking functions you need to survive PLUS great, new features to help you thrive. This account includes our new, debit round up option to help you save whenever you use your debit card.
- No minimum balance
- No monthly fee if enrolled in eStatements1
- Overdraft forgiveness up to $352
- Visa Debit Card with contactless Tap to Pay
- Round up your debit transactions for automatic deposit into a Smart Saver Share account3
- Access 24 Online Banking with Mobile Banking App for 24/7 access from a mobile device
- Send and receive money with friends and family using Zelle directly through online banking.
- Free Credit Score Monitoring
- Mobile Wallet – Make purchases straight from your account with Google Pay, Apple Pay, or Samsung Pay.
1 Paper statement charge of $5.00 will apply if not enrolled in eStatements.
2Smart Saver account holders who are enrolled in Overdraft Privilege are eligible to have overdraft forgiveness up to $35 without being charged an overdraft fee. This means that if your Smart Saver Checking account available balance is overdrawn by $35 or less at the time of posting, your item(s) will be paid and you will not be charged an overdraft fee for those transactions. If the balance is overdrawn by $35.01 or more, standard fees and procedures apply.
3 A Smart Saver Share account is required to participate in the debit round up feature.
Cash Back Checking
A checking account with all the features you need PLUS Cash Back rewards on debit card purchases! A no-brainer checking account designed to reward members who keep a minimum balance.
- Earn Cash Back on Visa debit transactions1
- Visa Debit Card with contactless Tap to Pay
- ATM Fees waived
- Access 24 Online Banking with Mobile Banking App for 24/7 access from a mobile device
- Send and receive money with friends and family using Zelle directly through online banking
- Free Credit Score Monitoring
- No monthly fee if enrolled in estatements and a minimum balance of $1,000 is maintained.2
1 If Cash Back Qualifications are met, earn 2% Cash Back up to $15 per month. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by the credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by CODE Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first business day of the month through the last day of the month. Reward Information: When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $750 signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15.00 cash back may be earned per Monthly Qualification Cycle. When Cash Back qualifications are not met, no cash back payments are made. Cash back payments and will be credited to your Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.
2Paper statement charge of $5.00 will apply if not enrolled in eStatements. Average daily balance of $1,000 is required to avoid a $5 per month service fee.
Money Market
This account is designed for members who keep a minimum balance of more than $2,000 and would like the potential to earn more interest. Features include:
- Free Visa® Debit Card or ATM Card*
- Earns monthly dividend at a higher rate than regular savings
- Free Mobile Banking with Mobile Deposit *
- Free Online Banking
- Free eStatements
- Free Credit Score Monitoring
- Free Budgeting / Personal Financial Management Tool
- Check your balance or transfer funds via telephone with PAT, CODE’s Personal Audio Teller
- Minimum monthly balance of $2,000 is required to avoid a $10 service fee.
*Subject to member qualifications for debit card and mobile deposit.
Premier Checking
Master your finances with CODE’s Premier Checking. Earn a premium interest rate while maintaining convenience with easy features to keep you connected to your money 24/7.
- No monthly fee if enrolled in eStatements1
- Visa Debit Card with contactless Tap to Pay
- ATM Fees waived
- Access 24 Online Banking with Mobile Banking App for 24/7 access from a mobile device
- Free Credit Score Monitoring
- 1 Free box of checks per year2
- Ability to open a Premier CD with a premium rate.
- Minimum balance to avoid a monthly service fee is $10,0003
- Minimum balance to earn interest is $10,0004
1Paper statement charge of $5.00 will apply if not enrolled in eStatements.
2Member will be reimbursed up to $25 per year for check printing costs.
3 Average daily balance of $10,000 is required to avoid a $5 per month service fee.
4 Interest will be paid based on average daily balance. Rates subject to change without notice.
.