Free & No Fee Personal Checking Accounts - Genisys® Credit Union

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Free, No-Fee Checking Accounts

Everyone has seen offers for free or no-fee checking accounts at credit unions, but what do you really get with those free accounts? Usually, not much. Genisys Credit Union personal checking accounts offer much more than just the basics you might get with some of those other accounts. With our no-fee checking accounts you can take advantage of several convenient benefits.


Including all the Benefits


No Minimum Balance, No Monthly Maintenance Fees

Our personal checking accounts offer our members more for less with zero monthly fees and no minimum account balance. Miscellaneous fees may apply. View our complete fee disclosure.

Credit Card

Free Genisys Rewards Debit Mastercard® with Double Play Rewards

The Genisys Rewards Debit Mastercard® is the passport to safe, fast Checking account access and the free Genisys Rewards program. Earn 1 point for every $2 you spend by signing for transactions with your debit card.

Online Banking

Free Mobile Banking and Online Banking

Convenient, on-the-go access to all your checking accounts and savings accounts with the Genisys Mobile Banking App, available for download on the App Store and on Google Play. Keep up to date anytime or anywhere with Genisys Online Banking, we’re open 24/7.

Bill Pay

Free Bill Pay

Pay bills directly from your checking account, set up an unlimited number of merchants and schedule payments in advance with Mobile and Online Bill Pay. Free with all Genisys Credit Union Checking accounts if enrolled in eStatements.


Nearly 30,000 Surcharge-Free ATMs nationwide

Genisys is part of the CO-OP Shared Branch network, which means you’re welcome at over 5,600 shared branch locations and nearly 30,000 surcharge-free ATMs nationwide. Plus convenient access to ATMs at our Genisys Branch Locations.

Overdraft Protection

Overdraft Protection

Protect your checking account with Overdraft Transfer Service linked to your primary share account or Personal Line of Credit. Must enroll and qualify for each.

Earn 6.75%APY with Genius High Yield Checking!1
Genisys Credit Union offers an impressive high yield checking account plus Debit Rewards without a bunch of hoops to jump through! Find out how easy it is to be a Genius Checking member.

Checking Account FAQs

What is a checking account?

A checking account is a type of deposit account generally used for daily expenses and day-to-day cash withdrawals. Your money can be accessed through a debit card for purchases made at stores, online, and more, or you can use your checking account to retrieve physical cash at an ATM.

What’s the difference between a savings account and a checking account?

While there are many differences between the two, one of the easiest ways to remember the differences is to think of a checking account as short-term storage of your money, whereas a savings account is for long-term storage. Checking accounts are designed to be accessed up to multiple times per day, to help pay for things like groceries, gas, and entertainment as you go about your day. On the other hand, savings accounts tend to have limits on how many times you can access the money contained within, as these accounts are designed to help you build up your savings through interest rates and other forms of dividends.

Do checking accounts earn interest?

By design, most checking accounts usually don’t earn interest, since they’re not designed for the same long-term storage of your money as savings accounts are. The Genisys Genius Checking Account is a High Yield Checking account that does earn interest. Savings accounts and money market accounts are both a great way to earn interest on money you plan on keeping in the account for a long time, whereas checking accounts are better for making daily purchases.

How does a checking account work?

Checking accounts, similar to other types of accounts, receive deposits from paychecks, personal money transfers, and the like. This money is then kept open for usage via your debit card or other types of transactions, and gives you nearly instant access to your money whenever you need it, no matter what you need it for.

What is a checking account used for?

This is one of the best things about checking accounts - you can use them for almost anything you want! Your checking account is linked to a debit card which can be used for purchases anywhere that debit is accepted, including online!

How can I check my checking account balance?

With Genisys, you have a few options for checking out your checking account balance. (No pun intended.) You can view your balance using our Online Banking portal, using our mobile app, at any of our CO-OP Shared Branch ATMs, or by visiting a Genisys branch location!

How old do you need to be to open a checking account?

The minimum age to open a checking account will vary by institution.  Genisys allows Checking accounts to be opened as young as 12 years old with a guardian on the account.  If you are at least 18 and a currently-enrolled college student, you may also be able to open our Student Checking Account, perfect for college students who need quick access to their money!

Can I open a checking account online?

Absolutely! Genisys offers an online account opening tool that also allows you to open a chekcing account along with your membership application.  

What do I need to open a checking account?

To open a checking account with Genisys, you’ll need to provide documentation of your identity including a government issued ID, your social security number, and more. Contact your local Genisys branch or use our online chat support for more information!

How can I open a checking account?

It’s easy to open an account with Genisys - you can visit any of our branch locations or apply for a checking account online using the form linked below!

Open a Checking Account Today!

Need to Reorder Checks?
We make it easy, order checks online!2

1. Current checking members must upgrade account through Online Banking or by contacting a branch. When logging into Online Banking current members can click on the “Genius Checking” link on the left sidebar to begin your Genius upgrade. To enroll in estatements, simply login to Online Banking. Click on “eStatements” on the left sidebar. Click on "I prefer eStatements" and agree to the disclosure. Annual Percentage Yield designated as APY. Balances over $7,500 will earn .05%APY. Transactions that are pending on your account, and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. See full Truth In Savings Account disclosure. 2. Online check orders CAN NOT be used for your first order of checks on your account. Please visit your local branch or call a Financial Service Representative at 248-322-9800 or 800-521-8440 ext. 5 to request your first order of checks.

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