Checking accounts that fit your life.
Whether you are looking to enjoy rewards, earn dividends, or simply want to avoid fees, we have the checking accounts to meet your needs and help you achieve your financial goals.
Earn 3.04% Annual Percentage Yield (APY) on your High-Yield Checking balances up to $15,000.
High-Yield | Rewards | Free | |
Earn 3.04% APY1 on balances up to $15,000 | ✔ | ||
Cash back on qualifying debit card purchases24 | ✔ | ||
Easily waive monthly fees in multiple ways | ✔ | ✔ | |
Telehealth Service, Phone Protection, and more | ✔ | ✔ | |
Overdraft protection included | ✔ | ✔ | ✔ |
Access to 55,000 Allpoint ATMs | ✔ | ✔ | ✔ |
Free online financial education center | ✔ | ✔ | ✔ |
Rewards and High-Yield Checking accounts include access to the following complimentary benefits. Registration and activation will apply.
Telehealth Services26
24/7 access to U.S.-based board certified doctors all with zero copays.
Mobile Phone Protection27
Helps with replacement or repair costs with only a $50 deductible.
Fuel Savings
Enjoy savings of 5¢ per gallon on every fill-up at participating Shell stations.
Travel & Leisure Discounts
Get discounts on movie tickets, theme parks, travel, and more.
| Account | Dividend Rate | APY |
|---|---|---|
| High-Yield | 2.99% | 3.04% |
| Rewards Checking | 0.00% | 0.00% |
| Preferred Checking* | 0.20% | 0.20% |
| Free Checking | 0.00% | 0.00% |
Rates effective November 1, 2025.
Legal Disclosures and Additional Information
High-Yield Checking and Preferred Checking* accounts are variable-rate accounts, and the rates may change. The Annual Percentage Yields (APYs) stated are accurate as of November 1, 2025. There is no minimum balance required to earn the APYs stated. The minimum opening deposit on a checking account varies. Fees and other conditions could reduce earnings. See Rate and Fee Addendum for information.
*Preferred Checking is no longer offered and is only available to members who had Preferred Checking prior to October 1, 2023.
Try our Checking Account Comparison Calculator to determine which Ascend checking account is best suited for your needs, or compare account details.
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 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 automatically refunded. If you believed you received a fee in error, contact us here or call 800-342-3086. To find the surcharge-free ATM location nearest you, 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 your credit card lost or stolen, or if you have questions about disputing a transaction or a dispute in progress, please contact the credit union at 800-342-3086.
- 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.
- Can I have both a High-Yield 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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