Get a checking account that pays

Earning is good. Choice is good. For you, we've combined the two.

  • 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 & mobile access
  • Get paid a day early with Early Direct Deposit1
  • No withdrawal penalties or deposit restrictions
  • Free Visa® debit card

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 still is monthly fee-free 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 July 16, 2018. APYs are subject to change without notice. Please visit 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.

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