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Earn 4.07%APY* + Checking Account Debit Rewards

Genius Checking is a high interest checking account that can pay cash dividends just for using your debit card and estatements, and the annual percentage yield (APY) will help you make the most of your money.

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As Easy as 1,2,3 to Earn More!

Start earning an amazing rate of return on your high yield checking account and Debit Rewards in just a few simple steps.


Open or Upgrade Your Account
Open a new Genisys Credit Union checking account or upgrade your account to Genius High Yield Checking.
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Enroll in eStatements
Enroll to receive your bank statements online. It's fast, easy, convenient and secure.
How to enroll in eStatements


Use Your Genisys Debit Mastercard®
Start using your debit card 10 times a month for purchases of $5 or more (excluding ATMs).
Learn more

Open or Upgrade Your Account Today!


Put more money in your pocket, love your checking account and do your happy dance!

High Yield Checking Account FAQ

What is a high yield checking account?

A high yield checking account works like a standard checking account by giving you access to your money whenever you need it, but with one big difference - you can earn interest just by using your account! By keeping your money in a high yield checking account and using your debit card like normal, you can earn cash dividends from an annual percentage yield (APY).

How does a high yield checking account work?

Our high yield checking accounts offer cash dividends, paid out monthly, that offer an APY interest rate on your average daily balance. If you use your debit card 10 times a month (or more), your daily average checking balance will start to earn interest using our APY. This interest is then paid out at the end of the month on your average daily balance, up to $7,500*.

What does “high yield” mean?

When it comes to interest checking accounts, the term “high yield” refers to the annual percentage yield being calculated as interest. Most standard checking accounts don’t offer interest, as they’re more meant for daily spending instead of holding onto your money in the way a savings account would. High yield checking, accordingly, offers interest rates rates the way you would get on something like a CD or Money Market account, but you get rewarded for using your money for everyday needs!

Do all checking accounts pay interest?

Many standard checking accounts don’t offer interest, and that’s what makes a high yield checking account so unique. The interest is calculated using your average daily balance, and is paid out at the end of the month so long as your debit card is used 10 times that month.

How much do I need to open a high yield checking account?

Opening a high yield checking account is free at Genisys Credit Union! Our checking accounts don’t require an initial deposit or minimum balance. However, as our APY and benefits are calculated by your average daily balance, keeping a high balance may help you make the most of your money and benefits.

Is there a balance minimum for high yield checking accounts?

Most Genisys checking accounts don’t require balance minimums over time. However, the balance of a high yield checking account will have an impact on your overall rewards - as your APY is calculated based on your average daily balance, maintaining a good balance can help you reap even greater benefits at the end of the month!

*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.

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