Make more of your money with checking.

Earn up to 4.00% APY¹ with Embold Plus, get rewarded for spending with Embold Rewards, or keep it simple with Embold Core.

Apply Now

Whether you want to earn more, get rewarded for everyday purchases, or simply keep things simple, there’s an Embold checking account for you.

Embold Plus

Earn more on your money
Earn 4.00% APY¹ on balances up to $20,000 when you meet the account requirements.
Best for: Members who want their checking balance to work harder.

Open Embold Plus

Embold Rewards

Get rewarded for spending
Earn points on eligible debit card purchases and redeem them for rewards.
Best for: Members who frequently use their debit card.

Open Embold Rewards

Embold Core

Keep checking simple
A straightforward checking account with the everyday essentials and no minimum balance requirement.
Best for: Members who want simple, everyday checking.

Open Embold Core

I want to bank boldly

Choose what works for you

Earns dividends

Earns dividends
Earns rewards

Earns rewards
Ability to order paper checks

Ability to order paper checks
Refunds ATM fees up to $25

Refunds ATM fees up to $25
Overdraft protection

Overdraft protection

Let's do this

Embold Core

Earns dividends
Earns rewards
Ability to order paper checks
Refunds ATM fees up to $25
Overdraft protection

Let's do this

Embold Plus

Earns dividends
Earns rewards
Ability to order paper checks
Refunds ATM fees up to $25
Overdraft protection

Let's do this

Embold Rewards

Earns dividends
Earns rewards
Ability to order paper checks
Refunds ATM fees up to $25
Overdraft protection

Let's do this

Every Embold checking account features:

Friendly service with our local people

Free Digital Banking

No minimum balance requirements

Access to your money sooner with early direct deposit*

Questions? We've got answers

Yes, you can! To learn more about mobile wallet, click here.

You can read more about Visa Account Updater here.

Points are earned when you make purchases using your Embold Rewards Debit Card or Embold Rewards Credit Card. For every $4 you spend on your Rewards Debit Card, you will receive one point. For every $1 you spend on your Rewards Credit Card, you’ll receive one point.

You can access your Rewards account information by logging in to your Digital Banking account. Don’t have a login created? Visit our Digital Banking page to get started today. Or if you prefer, you can create a separate login for our Rewards Redemption site by clicking here.

Yes, your points will be aggregated between your personal Rewards Checking and Rewards Visa accounts automatically. If you would like to combine points with someone else, you can transfer your points to them. Please visit our Embold Rewards page for additional FAQs regarding how long points are valid for.

Current Rates

Checking Accounts
Product	Maximum Daily Balance	Minimum Daily Balance	APY¹
Rates effective as of November 5, 2026. Apply Today
Product Embold Connect	Maximum Daily Balance N/A	Minimum Daily Balance N/A	APY¹ 0.00%
Product Embold Core	Maximum Daily Balance N/A	Minimum Daily Balance N/A	APY¹ 0.00%
Product Embold Plus	Maximum Daily Balance $20,000.00	Minimum Daily Balance N/A	APY¹ 4.00% - 3.93%
Product Rewards	Maximum Daily Balance N/A	Minimum Daily Balance N/A	APY¹ 0.00%

Bank boldly from anywhere.

All Embold members can use our digital banking services for free anywhere, anytime. Log in to your accounts from your favorite desktop or mobile device and manage your money, make transfers, nickname accounts, open new accounts or loans, and more.

Digital Banking

Get your paycheck early.

Getting for Early Direct Deposit is easy! Just make sure you’re signed up to receive your paycheck or other payments via direct deposit. The best way to do this is through your employer or other benefits provider.

Lose the paper trail with eDocs.

Get your statements, notices, and tax forms instantly. Keep sensitive info out of your mailbox and reduce the paper you consume. Get started today by logging in to digital banking and selecting the “electronic documents” widget. Secure your info and use less paper—it’s that easy.

Sign me up for eDocs

Lost card? New card?

With digital banking, managing your card has never been easier. Within our card management widget, primary members can activate new cards, block/unblock cards, set travel notices, order replacements, and more. Need to change your PIN? Call (855) 477-1163 or stop by a branch today. Joint members can manage their cards 24/7 by calling (855) 477-1163.

There's more to explore

Member Perks

Add more to your membership and reap the rewards. With Member Perks, you can earn more on the money you’re saving and save more on the money you’re borrowing.

Perk It Up

Auto Loans

Whether your dream ride is a 4×4 or a two-door, our great rates and fast approvals will get you behind the wheel and on the road.

Let’s get things rolling.

Ready, set, go

Find the right-fit checking account and start banking boldly.

Open a checking account

Already a member? Open your Share Certificate here

Get in touch

Call, text or write.

Let's talk

Chat with us online.

Let's chat

Find a branch.

View locations

Disclosures

1) APY = Annual Percentage Yield. Dividend rate is earned when minimum transaction requirements are met. Plus accounts are tiered. For details, see our Truth in Savings document. Embold Rewards and Plus accounts have a $3 paper statement fee that is waived when enrolled in electronic statements.

*Early Direct Deposit availability is dependent on the timing of the payor’s submission of deposits to Embold and may vary from pay period to pay period. To ensure that your deposit can be processed, make sure that your name, social security number, and credit union account and routing number on file with your payor matches what’s on your Embold account. Fraud restrictions may apply.