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Checking & Debit

Get your paycheck up to two days early with direct deposit and a free debit card, too.

Choose the checking account and debit card that’s right for you.

Debit Card Rewards

Whether Totally Free or interest-bearing, your account includes free online banking, mobile banking, mobile check deposit, and bill pay. It comes with a free debit card and the free Velocity CardLock app to manage it. And if you direct deposit your paycheck into your Velocity checking account, we credit funds to your account as soon as we receive them from your employer — up to two days early!

That’s what we’ve been doing for decades!



CURewards logo

Our rewards program for credit and debit cards offers dining, merchandise, travel, gift cards — even cash deposited to your Velocity account with our points-to-cash option.

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All Velocity checking accounts come with:
• Free online banking
• Free mobile app
• Mobile check deposit*
• Zelle person-to-person payments
• Free Mastercard debit card
Rewards debit card option
• Free CardLock app
• Direct Deposit (get paid  up to 2 days early!)

Look at these options and decide which account works best for you:

Totally Free Checking Check Plus
Minimum Balance: None $750 average daily balance
Direct Deposit Requirement: None None
Service Fees: None None, if average daily balance remains equal to or above $750; otherwise, $7.50 per month
Dividends: None Variable, based on average daily balance of $750 or more
See Dividends
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Every Velocity checking account comes with a free debit card.

Our Mastercard® debit card is a convenient and safe way to pay for purchases — even online — and you can use it at ATMs. One card does it all! The Velocity Rewards debit card, which earns you points for dining, merchandise, gift cards, travel, and more with every signature-based purchase, is available for a $20 annual fee.

Learn More

Click here for additional core benefits our debit cardholders enjoy.

*Some qualifying criteria apply