Debit Cards with Rewards
Rewards with everyday purchases
- 0.10% APY*
- No Monthly Fees
- Instant Issue Debit Card
Checking Accounts
Checking Accounts made for you.
ZenitCU
ZenitCU Checking Accounts
Find the perfect checking account to match your needs.
Member Plus High-Yield Checking
6.00% APY*
- No minimum balance
- Instant Issue Debit Card
- No Monthly Fees
nPower Youth Checking
For members 8–17 years old
- 10.00% APY* on the first $500
- Rewards for everyday purchases
- Parental Controls
Features & Benefits
Stay on top of everyday financial obligations.
Digital Banking With BillPay
Manage bills online with free BillPay and set up one-time or recurring payments.
Free Mobile Banking App
Bank on-the-go with powerful tools in our convenient mobile app.
No Monthly Maintenance Fees
Enjoy all the benefits of your checking account with zero monthly fees.
Nationwide Access
Access cash at 30,000+ fee-free ATMs and bank at participating Shared Branches nationwide.
Order Checks
Running low on checks? Let’s get you restocked with a convenient reorder.
Contactless Debit Card
Simply hold or tap your card on a contactless reader and process payments quickly.
Get Paid Early
Receive your paycheck up to two days early with Direct Deposit.
Overdraft Protection
Stay covered and avoid fees with Overdraft Protection for your account.
BENEFITS
RATES
OPEN ACCOUNT
APY*
MINIMUM BALANCE
DEBIT CARD AVAILABLE
REWARDS
nPower
10.00% on first $500.00
$0.00
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✓
Debit Card with Rewards
.10%
$0.00
✓
✓
Member Plus High-Yield Checking
8.00%
$0.00
✓
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FAQs
Everything you need to know.
You can open a checking account online by visiting the application page, choosing the account type, and completing the short application with your personal information.
Once your account is approved, your debit card is typically issued automatically and sent to your mailing address. You can also request a replacement card through online banking if needed.
Provide your employer or payroll provider with your ZenitCU routing number and checking account number. Direct deposit usually begins within one or two pay cycles once your payroll team processes it.
Yes, you may be able to hold more than one checking account depending on your banking needs and account eligibility. Some members use separate accounts for personal spending, bills, and savings goals.
Wiring instructions include the routing number, account details, and any transfer reference required for sending or receiving funds. Contact ZenitCU support to confirm the exact information for your account before initiating a wire.
Open a Checking Account Today
Adding an account to your ZenitCU membership is easy.
Open Account
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