Get a checking account that pays

And how about a $400 deposit bonus to boot?

  • Cash Back Checking

    3% cash back on debit card purchases*
    earn up to $8 per month

    Getting cash back is as simple as making everyday purchases with your Visa® debit card.

  • High-Yield Checking

    3.00% APY on balances up to $10k*
    (no minimum balance)

    Earn more with one of the highest APYs around!

open an account

So, how do I get these awesome perks?

It's pretty simple! All it takes is $500 or more in total direct deposit and 15 or more debit card purchases per month (signature or PIN-based) to earn 3% cash back or 3.00% APY.*

As if all that wasn't enough, you also don't have to go on the hunt for an ATM. With our Cash Back or High-Yield Checking accounts you get up to $12 per month in ATM surcharge rebates.*

Plus, all our checking accounts offer:

  • No monthly fee
  • No minimum balance
  • Easy online and mobile access
  • Get paid a day early with Early Direct Deposit1
  • Free Visa® debit card

So, what about that $400?^

Here's the deal:

  • Get $250 when you open a new Cash Back or High-Yield checking account and set up direct deposit.
  • Get $100 when you open any 1 year or greater certificate with $10,000 or more in combined balances.
  • Get $400 when you do both. 

These offers end 10.31.18, so get while the getting's good!

Andigo Basic Checking

If you're not into the whole getting-paid-for-using-your-checking-account thing, then open our no-frills, unembellished checking account. Don't worry, this account is still fee-free monthly and no minimum balance is required. 

open an account

*APY = Annual Percentage Yield. High-Yield Checking: If monthly qualifying activities are completed, 3.00% APY is paid on the balance up to $10,000 and 0.10% APY is paid on the balance above $10,000. If monthly qualifying activities are not completed, account will earn the standard rate of 0.06% APY. Rates advertised are effective as of September 1, 2018. APYs are subject to change without notice. Please visit andigo.org/rates for the most current rates. Cash Back Checking: If monthly qualifying activities are completed, earn 3% cash back (up to $8/month) on debit card purchases. ATM Surcharge Rebate: If monthly qualifying activities are completed, Cash Back Checking and High-Yield Checking accounts are eligible for up to $12 (twelve dollars) in ATM surcharge rebates per statement cycle. Qualifying activity requirements for High-Yield Checking and Cash Back Checking: $500 or more in total direct deposit per month and at least 15 Andigo Visa debit card purchases per month (signature or PIN-based). Qualifying transactions must post and clear by the last business day of the month. ATM withdrawals and cash withdrawals from a PIN-based transaction do not qualify as a purchase. No minimum balance is required and there is no monthly service charge. Contact Andigo Credit Union for complete details.
1Early Direct Deposit: Early fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases.
^Applies to new money only. Penalties for early withdrawal of funds. Minimum deposit of $1,000 and maximum of $250,000. Bonus offer expires 10.31.2018. Bonus/Account Information: Offer available to new members and members without a checking relationship with Andigo as of 9/1/2018 only. New members must enter promo code BONUS on application and be approved for membership. Bonus payouts may be taxable. You may receive only one new checking and one new savings account opening bonus with the maximum bonuses totally $400. Membership at our credit union is a privilege granted by our members under state law. Offer subject to change without notice. For complete details, contact Andigo Credit Union. To receive the $250 checking bonus: Member must open a new Cash Back or High-Yield Checking account, subject to approval. Direct deposit must be setup within 60 days of joining and/or opening new checking account. Qualifying direct deposits are regularly recurring electronic deposits from your employer or other government agency (e.g. Social Security). Person-to-person and bank transfers between your Andigo accounts or accounts you have at other financial institutions or brokerages do not qualify. The $250 checking bonus payout will be deposited into your Andigo checking account within 30 days after the third consecutive month of $500 or more in total direct deposit. All checking accounts must be opened by 10/31/2018 to qualify for bonus payout. To receive the $100 certificate bonus: Member must open a new certificate of 1 year or greater with at least $10,000 in new money. Member may open one or several certificates of $1,000 or more to meet this $10,000 new money qualification. The $100 savings bonus payout will be deposited to your Andigo savings account within 30 days of completed deposit(s). All qualifying deposits must be completed by 10/31/2018 to qualify for bonus payout. To receive the $50 deposit bonus: Member must complete actions required for both the $250 checking bonus and the $100 certificate bonus in the given timeframes. Once all requirements have been satisfied, the $50 deposit bonus will be deposited in your Andigo checking account within 30 days.

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