Elite Checking


Elite Checking is the perfect fit for you if you are a savvy saver and tend to carry a significant balance. You can earn up to 1.50% APY* on your average checking account balance each month! We’ll also reimburse you up to $20 in ATM fees each month. Just complete three easy qualifications each qualifying cycle to earn the interest reward.


  • Receive your monthly statement electronically (Online Statements)
  • Have 10 debit card point-of-sale transactions post and clear during the Qualification Cycle
  • Have at least one direct deposit or one auto-debit via ACH during the Qualification Cycle

Benefits of Elite Checking

  • Free online and mobile banking for easy 24/7 account management
  • 2.5% cash back – a checking account that pays you*
  • ATM Reimbursements – access cash without fees*
  • Identity Theft Protection through iDefend
  • Money Management – effortlessly track spending habits.
  • FICO® Score monitoring – check your credit score quarterly.

It’s incredibly simple! Complete three qualifiers each month, and your Elite Checking account will pay you. No worries if you don’t meet the qualifications; there’s no fee, and you can try again next month!

Choose a JCU checking account that aligns with your lifestyle. Open a new Elite Checking or convert your Basic Checking by visiting a branch or applying online today!

Compare Checking Accounts

Already a member?

Save time by applying through online banking or the mobile app under Additional Services >Open Additional Deposit Product.

Login to Online Banking

elite checking

Sign up Today

Balance Range:$0 - $10,000APY*:1.50% APY*ATM REFUNDS:up to $20/mo.
Balance Range:Above $10,000APY*:0.25% APY*ATM REFUNDS:up to 20/mo.
Balance Range:No balance or qualifiers not metAPY*:0.05% APY*ATM REFUNDS:N/A