
Checking accounts that fit your life.
Whether you are looking to enjoy rewards, earn interest or simply want to avoid fees, we have the checking accounts to meet your needs and help you achieve your financial goals.
Interest Earning Checking
Earn 3.56% APY1 on balances up to $15,000.
$5 per month is easily waived if you have $1,000 in direct deposit per month, OR $5,000 combined average daily balance, OR 10 qualifying33 debit card swipes of $5 or more.
Use your savings account, money market or a pre-approved personal line of credit to protect yourself from overdraft fees.
Learn more
Rewards Checking
Earn 10¢ with every qualifying33purchase of $5.00 or more.
$5 per month is easily waived if you have $1,000 in direct deposit per month, OR $5,000 combined average daily balance, OR 10 qualifying33 debit card swipes of $5 or more.
Use your savings account, money market, or a pre-approved personal line of credit to protect yourself from overdraft fees.
Learn more
Free Checking
No Minimum Balance Requirement
No Card Transaction Minimums
Use your savings account, money market or a pre-approved personal line of credit to protect yourself from overdraft fees.
Learn more
Rewards and Interest Earning checking accounts include exclusive access to Telehealth Services, Mobile Phone Protection, Fuel Savings, and Travel & Leisure Discounts. Click here to register for your benefits.
Included with all Ascend checking accounts:
Access to 55,000 Allpoint ATMs
Credit Score Monitoring & Analysis
Digital Banking & Mobile App
Identity Protection Monitoring
Member Scholarship Eligibility
Online Financial Education Center
Overdraft Protection
Amphitheater Presale Codes
Credit Score Simulator
Free Monthly Credit Report
Interest-savings Opportunities
Online Bill Pay & Scheduling
Online Statements
Personalized Financial Education
Account | Dividend Rate | APY |
---|---|---|
Interest Earning Checking | 3.50% | 3.56% |
Rewards Checking | .00% | .00% |
Preferred Checking* | .20% | .20% |
Free Checking | .00% | .00% |
Rates effective October 1, 2023.
Legal Disclosures and Additional Information
Savings, Interest Earning Checking, Preferred Checking, and Christmas Club accounts are variable rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of October 1, 2023. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a savings account is $5.00. The minimum opening deposit on a checking account varies. Fees and other conditions could reduce earnings. See Fee Addendum for information regarding fees.
*Preferred Checking is no longer offered and is only available to members who had a Preferred Checking prior to October 1, 2023.
ATM Information & Fees
As an Ascend member, you have fee-free access to the Allpoint network of more than 55,000 ATMs worldwide.
Related ATM Fees
Please refer to Ascend's Rate and Fee Addendum for information on fees applicable to network transactions.

Youth Checking Accounts
Good financial habits start with a youth account. These accounts encourage and reward financial responsibility, and as children grow, these accounts grow with them.

Banking—wherever you need it.
Securely manage your account and credit score on Ascend's fast, free and convenient digital banking service, from either your computer or smartphone.
- Do you offer refunds on ATM service fees?
Use your Ascend debit or ATM card for surcharge-free transactions at select Speedway, Walgreens, Kroger, Costco, and CVS stores in the Allpoint network throughout Middle Tennessee or at more than 55,000 ATMs worldwide in the Allpoint network. If you’re at an Allpoint network ATM and receive a request to accept a surcharge, press “yes” to proceed with the withdrawal. Don’t worry – that fee will be refunded. Visit our contact us page or call 800-342-3086 to request your fee refund. For a complete list of surcharge-free ATM locations, visit our Branch/ATMs page.
- What is the routing or ABA Number for Ascend?
Ascend's routing number is 264181626.
- How do I report a lost or stolen ATM, debit, or credit card?
To report a lost or stolen Ascend card, please call 800-342-3086 during normal business hours. After business hours, please call 866-609-7654.
- I need a new Ascend Debit/ATM/HSA card. Do I need to visit a branch?
If you need a replacement debit card, you may visit your local Ascend branch with a valid photo ID to have a new card instantly issued. Otherwise, a replacement card will need to be ordered. Please contact us at 800-342-3086 to order your card. Any ATM card orders are processed through our Card Services Department with your card arriving by mail or to the branch of your choice within seven to 10 business days.
Please contact 800-342-3086 for more information.
- Can I have both an Interest Earning or Rewards Checking account simultaneously?
No. You can only have one or the other. However, you can have up to four (4) additional Free Checking accounts.
- What fees can I expect from Ascend?
Visit our Rates Dashboard for current rates and fees.
- When do fees apply to an inactive account?
Accounts will incur a monthly $5 fee after 18 months of inactivity. An inactive account is one where there has been no transaction activity, such as deposits, withdrawals, or transfers, during an 18 month period. Dividend deposits are not considered account activity.
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