Checking

Checking with options, not catches

Welcome to checking with no minimum balances and no monthly services charges, no matter which account you choose. In fact, you could even earn when you do more with your account. Compare our checking accounts to see which is best for you. 

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Cashback Checking

Qualifying accounts earn:

  • 1.50% cash back up to $10.00 each month
  • Up to $25 in ATM surcharge fee refunds per month
Learn More
High Yield Checking

Qualifying accounts earn:

  • 1.50% Annual Percentage Yield on balances up to $25,000
  • Up to $25 in ATM surcharge fee refunds per month
Learn More
Basic Checking

No frills account includes:

  • Interest paid on balances
  • Visa® Debit Card for cash and purchases
Learn More

Checking

Rates effective starting: May 9, 2025

Features High-Yield Checking1 Cashback Checking1 Basic Checking
Best for member wanting higher interest paid on balances cash rewards for card usage simple account that pays interest
Monthly Service Charge $0 $0 $0
Minimum Daily Balance $0 $0 $0
Interest Rate earn up to 1.50% APY (on balances up to $25,000); 0.10% APY (on balances in excess of $25,000) No 0.01% APY
Cash Back $0 1.50% of debit card purchase amount (earn up to $10 per month) $0
ATM Fee Refund up to $25 monthly up to $25 monthly $0
Requirements to Earn Rewards and ATM Refunds Requires direct deposit, 8 debit card purchases and eStatements during calendar month Requires direct deposit, 8 debit card purchases and eStatements during calendar month N/A
ATM Withdrawal Fee No fee from Ardent No fee from Ardent No fee from Ardent
Checks Free initial order Free initial order Free initial order
Debit Card FREE with:
  • Access to nationwide-network surcharge-free ATMs
 FREE with:
  • Access to nationwide-network surcharge-free ATMs
 FREE with:
  • Access to nationwide-network surcharge-free ATMs
Other Features
  • Transact at 5,000+ branches in shared network nationwide
  • Account-switching concierge service
  • eBanking with Bill Pay, Mobile Banking and Remote Deposit
  • Incoming electronic transfers from external accounts
  • 24-months of eStatements
  • Member-to-Member Transfers
  • Transact at 5,000+ branches in shared network nationwide
  • Account-switching concierge service
  • eBanking with Bill Pay, Mobile Banking and Remote Deposit
  • Incoming electronic transfers from external accounts
  • 24-months of eStatements
  • Member-to-Member Transfers
  • Transact at 5,000+ branches in shared network nationwide
  • Account-switching concierge service
  • eBanking with Bill Pay, Mobile Banking and Remote Deposit
  • Incoming electronic transfers from external accounts
  • 24-months of eStatements
  • Member-to-Member Transfers

1APY=Annual Percentage Yield. Rate and APY may change after account is opened. To earn the reward (higher APY or cash back) and ATM surcharge refunds, make 8 debit card purchases, get one direct deposit and/or other electronic deposit and receive eStatements monthly. Debit card purchases must post and settle to your checking account during the calendar month. ATM-processed transactions do not count towards qualifying debit card purchases. The deposit must post to the account during the calendar month. Electronic transfers between accounts do not count as a direct deposit. Transactions may take one or more banking days from the date transaction was made to post and settle to your account. If all three qualifications are met during the calendar month, domestic ATM fees up to $4.99 per single transaction charged by ATM owner incurred during the month will be reimbursed up to $25.00. For High-Yield Checking, the first $25,000 of the account balance earns 1.50% APY and balances over $25,000 earn 0.10% APY. Non-qualifying accounts earn 0.01% APY on balances. The High-Yield APY is based on compounding interest monthly. For Cashback Checking, 1.50% of debit card purchases up to $10 during the calendar month will be credited to your account at the start of the next month.  Membership qualifications apply. No more than one checking account of each type per member. Member must maintain their $5 membership savings account to be eligible for checking accounts. For more details, visit ardentcu.org or call us at 800.806.9465.