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Free, No-Fee Checking Accounts

Everyone has seen offers for free or zero-fee checking accounts at credit unions, but what do you really get with those free accounts? Usually, not much. Genisys Credit Union 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 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 4.07%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.

Open a Checking Account Today!

Switching financial institutions?
We can help. Simply follow the step by step instructions and Genisys Credit Union’s Online Switch Kit will start, monitor and finish the transfer process for you. It’s really that easy!

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. 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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