Apply for a checking account online — Easier than setting up your next date.

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!

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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
What about that $400?^
  • 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 an extra $50 when you do both. 

These offers end 12.31.18, so get it while the getting's good!

Set up direct deposit!

Check with your employer for the necessary forms you’ll need to get this going.

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. 

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*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 0.07% APY. Rates advertised are effective as of November 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.

^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 be residents of Illinois, 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 totaling $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 12/31/2018 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 12/31/2018 to qualify for bonus payout. Applies to new money only. Penalties for early withdrawal of funds. Minimum deposit of $1,000 and maximum of $250,000.
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.
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.

Have questions about our checking accounts? We’ve got answers.

How can I find out my account balance?

Your account balance is available to you any time, a number of ways:

  • Online banking
  • Text banking (text BAL to 226563)
  • An ATM
  • Automated telephone banking to access your accounts 24-hr. 7 days a week at 847.576.2100 or toll-free 877.270.6392 (option 1, 2).
  • Call us at 847.576.5199 or toll-free 877.270.6392 (option 1, 2)

How do I print my Andigo statements?

1. Acquire a printer
2. Log into online banking
3. Select Accounts
4. Select eStatements
5. Choose an account and statement date
6. Select "View Statement
7. A PDF will load and from there you can select the print icon to print your statement

How do I make deposits into my account?

Set up direct deposit with your employer:

  • Use our app's mobile deposit feature
  • Visit any of our branches
  • Use any deposit-taking ATM
  • Visit any shared branch Location
  • Go snail mail by sending your a check with your deposit information to Andigo's Main Office location at 1310 N Meacham Road, Schaumburg, IL 60173. Please endorse the check(s) by adding the text "FOR DEPOSIT ONLY" above your signature and Andigo account number.

How do I open an Andigo checking account?

The easiest way is probably to open an account online, but you can also just give us a call at 847.576.5199 or toll-free 877.270.6392. Either way, you'll be good to go in no time!

How do I start direct deposit to my account?

Go through your company's HR or payroll department. Just give them Andigo’s routing number (271984311) and your account number to set things up.

What color ink should I use to endorse my checks?

You were the kid who brought an apple for the teacher, weren't you?

This is a brownie points question if we've ever heard one, but it's a good one and there's most certainly an answer: When you're writing or endorsing a check, we'd love you to use a dark permanent ink, preferably black.

How do I order checks?

For first-time orders or your first order in a the last 13 months, call us at 847.576.5199 or toll-free 877.270.6392, and we will be happy to order checks for you.

If you're an old pro, follow these instructions:

  • Log into your account
  • Select "Account Services" on the left menu bar
  • Click "Order More Checks"
  • Click on the account you'd like checks for and follow the corresponding instructions

Have more questions about our checking accounts? Fill out our form and we will be in touch with you shortly!

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