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Checking Accounts

Thinkwise CU Debit Card

Looking for a checking account that goes above and beyond?

Unlock the power of easy banking with Thinkwise Credit Union! Our checking accounts are designed for your lifestyle, offering unbeatable convenience and exciting perks. With Wise Checking Plus+, enjoy overdraft protection, unlimited check writing, and exclusive benefits like identity theft protection, cell phone coverage (up to $800), and travel discounts—all for just $12 a month. Wise Checking offers essential benefits like identity theft protection, fee waivers, and cell phone coverage (up to $400) for just $6 a month. Looking for no monthly fees? Basic Checking has you covered with no service fee, unlimited check writing, and the same great rewards program.

 All accounts come with 24/7 access, over 30,000 ATMs nationwide, more than 5,000 CU Service Centers, seamless mobile banking, bill payer service, and rewards points on your purchases that can be redeemed for travel or brand-name merchandise. Plus, enjoy peace of mind with Overdraft Privilege (up to $750 with direct deposit).

At Thinkwise Credit Union, your checking account is more than just a place to manage money—it's a gateway to rewards, security, and flexibility.

Explore our checking options and find the one that's perfect for you!

Get the overdraft protection you need, without paying more in fees!

  • Monthly Fee: $12.00
  • No minimum balance
  • No minimum opening deposit
  • Thinkwise debit cards now earn one point for every three dollars spent that can be used toward travel and merchandise
  • Points earned on eligible transactions only
  • Overdraft Fees per Item: $10.00
  • An Overdraft Privilege Limit of $500 or up to $750 on accounts setup with direct deposits will be granted to eligible accounts.
  • Checking account(s) must be opened for at least 35 days and be in good standing to be eligible for the Overdraft Privilege Program.
  • Includes the following additional account benefits:
    • IDProtect®1 – Identity Theft Monitoring and Resolution Service that includes 3-in-1 credit file monitoring2*, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert*, total identity monitoring*, ID theft resolution services, and up to $10,000 in identity theft expense reimbursement3.
    • Cell Phone Protection3 with up to $400 of repair or replacement cost. (Cellular telephone bill must be paid with Wise Checking account.)
    • Accidental Death & Dismemberment Insurance3
    • Debit Advantage®3 – Buyer’s Protection and Extended Warranty3 (Item(s) must be purchased in full with Wise Checking account)
    • Travel & Leisure Discounts*
    • $hopping Rewards™*
    • Health Discount Savings4*
  • Unlimited Check Writing
  • Unlimited boxes of checks per calendar year
  • Unlimited official checks OR money orders per month
  • One gift card activation fee waived per month
  • Two foreign ATM transaction fees waived per month5
  • Privilege Pay or Overdraft Protection (Eligibility Required)
  • Card Controls via your smart phone
  • 24/7 Access to your Account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to Visa Check/Debit Card
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide
  • Additional benefits coming in 2023!

Registration and activation for your Wise Checking benefits are easy! Just go to eClubOnline.net and enter the passcode given to you by your credit union. Call 1(866) 210-0361 for more assistance.

More Benefits, Less Fees- Unlock Your Potential with Thinkwise!

  • No minimum balance or opening deposit
  • $6.00 monthly service fee with unlimited check writing
  • Complimentary benefits include:
  • One box of checks per year
  • Two official checks or money orders per month
  • One gift card activation fee waived per month
  • Two foreign ATM transaction fees waived per month
  • Overdraft Fees per Item: $20.00
  • An Overdraft Privilege Limit of $500 or up to $750 on accounts setup with direct deposits will be granted to eligible accounts.
  • Visa Debit card controls via your smartphone
  • 24/7 Access to your account via mobile, online banking & audio teller
  • Access to over 30,000 Co-Op ATMs and 5,000 CU Service Centers nationwide
  • Protect your identity and more:
    • IDProtect®1 – Identity Theft Monitoring and Resolution Service that includes 3-in-1 credit file monitoring2*, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert*, total identity monitoring*, ID theft resolution services, and up to $10,000 in identity theft expense reimbursement3.
    • Cell Phone Protection3 with up to $400 of repair or replacement cost. (Cellular telephone bill must be paid with Wise Checking account.)
    • Accidental Death & Dismemberment Insurance3
    • Debit Advantage®3 – Buyer’s Protection and Extended Warranty3 (Item(s) must be purchased in full with Wise Checking account)
    • Travel & Leisure Discounts*
    • $hopping Rewards™*
    • Health Discount Savings4*
  • 5

    • Exclusive Discounts and Rewards

  • Travel and Leisure Discounts at thousands of businesses

Registration and activation for your Wise Checking benefits are easy! Just go to eClubOnline.net and enter the passcode given to you by your credit union. Call 1(866) 210-0361 for more assistance.

    Simple, convenient, and full of benefits!

  • No monthly service fee
  • No minimum balance
  • No minimum opening deposit
  • Overdraft Fees per Item: $25.00
  • An Overdraft Privilege Limit of $500 or up to $750 on accounts setup with direct deposits will be granted to eligible accounts.
  • Checking account(s) must be opened for at least 35 days and be in good standing to be eligible for the Overdraft Privilege Program.
  • Access to Visa Check/Debit Card
  • Thinkwise debit cards now earn one point for every three dollars spent that can be used toward travel and merchandise
  • Points earned on eligible transactions only
  • Unlimited Check Writing
  • Card Controls via your smartphone
  • 24/7 access to your account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide
  • Privilege Pay or Overdraft Protection (Eligibility Required)

    • All this for $0 monthly fee! With Basic Checking, you get unbeatable convenience, security and rewards - giving you more value, flexibility, and peace of mind. Get started today to see how Thinkwise can work for you!

We understand that life happens, and from time to time, an unexpected overdraft may occur. With our overdraft privilege and overdraft protection coverage, you have nothing to be worried about. As a member of Thinkwise CU, we always have your back!

*Registration/activation required

1) IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

2) Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

3) Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and/or insurance document provided at account opening.

4) This is NOT insurance.

5) Member must contact us within 30 days of the transaction to request the ATM fee transaction reimbursement.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.