Earn 6.75% APY + Checking Account Debit Rewards
Genius High Yield 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.
Give Your Checking Account a Raise.
Slide the green circle to adjust the account balance and see how much you could earn with Genius High Yield Checking.
*The earned per year amount shown is calculated by a full year at the account balance amount selected in the slider. Your results may vary as your daily account balance fluctuates.
Packed with 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.
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.
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
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.
Genius High Yield Checking
Effective Date: Saturday, December 14th, 2024
| Dividend Rate | APY* | Minimum Balance |
| 6.55% |
6.75% |
$0 |
Open an Account Annual Percentage Yield designated as APY. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn stated 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. Balances above $7,500 earn .05% APY. See Genius Checking page for details. |
Open or Upgrade Your Account Online
Start earning an amazing rate of return on your high yield checking account and Debit Rewards in just a few simple steps.
Get Started
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High Yield Genius Account FAQs
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).
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*.
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!
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.
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.
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!
*Annual Percentage Yield designated as APY and subject to change at anytime. Must enroll in eStatements and use your Genisys Debit Mastercard® at least ten times per month for purchases of $5.00 or more, excluding ATMs, to earn 6.75%APY. Balances over $7,500 will earn .05%APY. The earned per year amount shown is calculated by a full year at the account balance amount selected in the slider. Your results may vary as your daily account balance fluctuates. 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.
Note: 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.
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