With no monthly service charges and money back on ATM fees, Atlas High-Rate Checking really pays.
Get a rate discount with our Car Buying Service, then save on repairs with our Vehicle Service Program.
Earn up to 2.70% APY without market risks!57
We offer award-winning online kids savings and teen checking accounts (plus, great products for parents too!)
Atlas returns profits to our members through higher savings rates, lower loan rates, and fewer fees. And we make it easy to bank with 24/7 account access.
Earn better-than-bank rates on your money with the Atlas High-Rate Checking account.
That's 16.7x the national bank average!71
Learn more about savings
"Best Checking Accounts of 2019" - MyBankTracker
"MONEY’s Best Credit Union of 2018"
"Best Banks for Checking 2019" - NerdWallet
We don't charge monthly service or minimum balance fees. Standard fees, such as non-sufficient funds and check printing, do apply. Please see our simple fee schedule for a complete list.
Get up to $20/month in ATM fee rebates if you use an out-of-network ATM (excludes 1% Visa foreign transaction fee). We’ll deposit rebates into your checking account at the end of each day.19
Receive a free Visa debit card and one free box of checks when you sign up. After the first box, you can order more checks for as low as $15 per box.
Deposit a check from virtually anywhere with the Atlas Mobile Banking app.19 It’s as easy for first-timers as it is for old pros, and no special photography skills are needed.
Don’t worry about accidental overdrafts. Opt in to our overdraft protection and we’ll automatically transfer money from your Atlas savings account so you can avoid an overdraft.
With Courtesy Pay, Atlas will cover checks, electronic payments and transfers that won’t clear due to insufficient funds, helping you avoid the hassle and expense of declined transactions. There is a fee per covered item, and the overdraft balance plus fees are due within 17 days. See fee schedule
We offer two-way, real-time text alerts to protect you from debit card fraud. Your debit card also comes with the Visa zero-liability guarantee.
Switch your checking to Atlas in 3 simple steps
Meet two simple requirements each month to qualify for high-interest checking. You’ll earn 7.2x the interest most banks pay.69
Opt in to receive free eStatements rather than paper statements.
Have at least one monthly electronic deposit to your Atlas High-Rate Checking Account. Direct deposits, payroll deposits, ATM deposits, mobile deposits and transfers from another financial institution all count.
Once you've opted into eStatements, if there's a month when you don't make an electronic deposit, you still won't have to pay a monthly maintenance fee, you just won't qualify for high-interest checking.
Let Me Know When Atlas Rates Gets Even Better
Non-standard service fees may apply, please view our full fee schedule. Fees subject to change.
Atlas High-Rate Checking pays a monthly dividend — as long as you meet the easy requirements of having eStatements and at least one electronic deposit per month. If you do not meet the requirements for any month, your account will not receive a dividend for that month. Checking dividends are paid on the last day of each month. The checking dividend is subject to change monthly.
Yes. You will receive a free Visa® debit card that you can use for purchases, and for withdrawals or deposits at ATMs (deposits not accepted at all ATMs).
An Atlas Checking Account has no monthly maintenance fees, no minimum balance requirement and no maximum balance limit. Our 80,000+ surcharge-free ATMs and up to $20 per month in out-of-network ATM fee rebates (excludes 1% Visa foreign transaction fee) for debit card transactions make accessing your money easy. This rebate does not apply to cash advances from Atlas Visa® credit cards through ATMs or to the Atlas Convenience Card and Visa International Service Assessment (ISA) fees. Standard fees, such as non-sufficient funds (NSF) and check printing, do apply.
No. When reviewing applications, Atlas conducts a “soft credit check,” which won’t affect your credit or credit score.
Absolutely. Your Atlas Checking Account Visa debit card is compatible with Google Pay, Apple Pay and Samsung Pay. Learn how to enroll your debit card in your preferred mobile payment platform today.
Deposits, withdrawals (including international withdrawals!), transfers, or balance inquiries made using an Atlas Checking or Teen Checking debit card are eligible for our ATM fee rebate, up to $20/month. International withdrawals will still have a 1% Visa foreign transaction fee. This rebate does not apply to cash advances from Atlas Visa® credit cards through ATMs or to the Atlas Convenience Card and Visa International Service Assessment (ISA) fees.
Atlas offers an "Official Credit Union Check" that functions the same as a cashier's check. You can request an Official Credit Union Check through online banking, by calling us at 800-328-1935, or by visiting an Atlas branch. Funds are deducted from your account at the time the Official Credit Union check is issued. There is no fee for the issuance of an Atlas Official Credit Union check unless you request that the check mailing be expedited, in which case you will be charged for express shipping.
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