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YOUR Checking Account

YOUR Checking is simple. There's just one checking account to choose from, but the way you use it makes the account unique to you. Everyone gets the basic features while also having the opportunity to earn rewards and take advantage of additional services.

Rewards Options*

There are two options for earning dividends on the YOUR Checking Account:

  1. Maintain a total of $1,000 or more of new money coming into your checking account each month (deposits include payroll direct deposit, social security direct deposit, etc., transfers from another account do not count toward the $1,000 requirement). OR
  2. Perform 20 or more debit card transactions each month on the account designated to earn dividend rewards (PIN or signature transactions).

Cash & Banked
Rewards for cash or banked rewards will be earned at the rate of $0.05 for every FORUM debit card transaction (PIN or signature based transaction). Banked rewards will put all earned cash into your account at the end of the year.

Receive the current checking account dividend rate. See FORUM’s deposit rate sheet for current dividend rateDividends paid on daily balances of $.01 to $25,000.


  • No monthly fee and no minimum balance
  • Free FORUM ATM transactions and 4 free non-FORUM ATM transactions per month
  • Access to 5,000 shared branch locations and surcharge free Alliance One ATMs nationwide
  • Free unlimited signature or PIN based MasterCard® debit card transactions 
  • Free online banking and bill pay
  • Free mobile app, featuring check deposits, bill pay, account alerts & more
  • Simple cash or dividend rewards structure
  • No transfer fee from FORUM savings accounts to YOUR Checking


Get even more out of YOUR Checking with our additional services: Open YOUR Checking  YOUR Checking Guide


All new accounts are automatically set to earn cash rewards. To change your reward option selection through CU Online, go to "My Accounts" and click on the rewards icon next to YOUR Checking to select your reward type. 

*Rewards items based on last day of the previous month through the second to last day of the current month. Rewards are credited to the account as dividends and will be reported to the Internal Revenue Service on a 1099-INT. See Truth-In-Savings Disclosure for full details and disclosures.


Get the most from your FORUM Checking Account

FORUM has automated tools to make saving money and paying for the things you need convenient and hassle-free. Follow the tips below to make the most of your FORUM Checking Account. 

  • Set up direct deposit of your monthly employer payroll or social security
  • Use FORUM’s free online banking software, CU Online, and FORUM’s free mobile app to receive real-time account alerts for your FORUM debit and credit cards. A variety of alerts such as balance, withdrawals, deposits, etc. are available. 
  • Pay all your bills and make personal payments to pet sitters, babysitters, etc. using FORUM’s free online bill payment solution
  • Use your FORUM debit and credit cards to easily see and manage all transactions within the FORUM mobile app and home banking software

See how FORUM has given back through YOUR Checking rewards.