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Checking Accounts

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Take your confidence to the next level with the right checking account.

The right checking account can help move you closer to your goals, no matter where you are in life. Whether you want to simply handle monthly bills and everyday purchases, or find new ways to earn perks and rewards, a Apex Finances personal checking account is a convenient way to manage your money with confidence.


Want help choosing the right checking account?

Answer a few questions and we’ll recommend the account that best fits your needs.

Pick the account that fits what you’re looking for.
  • Advantage Checking: Being rewarded for financial growth with perks and rewards
  • Essential Checking: Building a foundation for financial confidence with easy ways to avoid fees
  • Balanced Banking: Staying in control of spending and limiting overdrafts

Cash Rewards Redemption: After the close of the billing period in which you earn Cash Rewards, if your card account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10% if you redeem through an ACH deposit into a Apex Finances deposit account. Clients who redeem Cash Rewards through an ACH deposit into any Apex Finances checking, savings or money market account will receive a 10% Loyalty Cash Bonus.

Banking Transactions include: Deposit and withdrawal transactions made (includes transactions such as those made with the assistance of a teller, at an ATM, or by Direct Deposit, mobile device, wire transfer, Online Banking transfer, automatic transfer, telephone transfer, Zelle® transfer, ACH debit or credit, online bill pay, mobile bill pay, check, or Debit Card purchases including PIN Point of Sale (POS) and signature-based purchases). These transactions must be posted to your account during the statement cycle. Bank fees and overdraft protection transfers are not included.

A qualifying Direct Deposit is an electronic credit to your account of your salary, pension, Social Security or regular monthly income totaling $500 or more deposited to your account during the current statement cycle by your employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.

The Essential Checking Student Waiver provides a checking account with no monthly maintenance fee for up to 5 years. Any individual is qualified as a student if they are currently attending High School, College/University, or Technical/Trade Schools. Proof of active enrollment in a qualifying educational institution is required. The Student Waiver is applied automatically at account opening and based on Account Opening Date. The Student Waiver cannot be applied/added-on to a checking account once it is opened.

Cash Rewards Redemption:

After the close of the billing period in which you earn Cash Rewards, if your Card Account is in Good Standing, you may redeem a minimum of $5 for either a statement credit to your card account or an ACH credit to a deposit account. You can earn a Loyalty Cash Bonus of 10%, 25%, or 50% if you redeem through an ACH deposit into a Apex Finances deposit account