Bonus aside, this account is a winner for people who prefer a big-bank experience. with about 5,200 branches and more than 16,000 ATMs, and the option of having multiple types of accounts at one place. We don't recommend choosing your primary checking account based solely on a sign-up bonus. But if you like the account and its features anyway, why not get a little something extra?
Your other options are simply having the bank decline to pay charges that you don't have enough cash to cover or to use a 360 Savings account to cover overdrafts for free. If overdrawing your account has gotten you into trouble in the past, consider opening an account at Capital One.
Becoming a member is just as easy: All it takes is a one-time donation of $10 to an Alliant-affiliated nonprofit. For that you also get access to more than 80,000 surcharge-free ATMs and a minimum of fees.
To qualify for this rate, you must enroll in electronic statements and do the following each month: make 15 debit card transactions, receive at least one direct deposit, and schedule at least one online bill payment. Connexus also offers a basic checking account if you can't or don't want to meet those requirements. If you don't live within this credit union's field of membership, a one-time donation of $5 to Connexus Association will get you in the door.