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NuMark Checking

Our checking accounts fit your lifestyle and give you around-the-clock access to your money online or through our Free Mobile App. Get cash, make purchases and pay your bills with ease. With unlimited check writing, you keep more money in your pocket. Start saving today; we make it easy to switch. No matter what life stage you are in we have a checking account to fit your life. Compare our accounts and learn more about specific features below.

Compare Checking Options

Personal Checking FeaturesCommon Cents Checking
Start Now
NuDreams Checking
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Ultimate High-Yield Checking
Start Now
The Perfect
Choice if…
You rely on your debit card for your day-to-day purchases, like to access your account on the go and would like to do more with your money.You are a teen and want to learn how to use a checking account, have access to your own debit card and get rewarded along the way.You are a debit card user, carry a higher checking balance and want to make your money work harder.
Requirements Per Statement Cycle 1Must be registered for
E-Statements and log into NuMark Online or NuMark Mobile at least once.
13-17 Years Old
Parent/Guardian as Joint Signer
  • Minimum 12 debit card transactions
  • At least $500 in Direct Deposits (aggregate)
  • Must be registered for
    E-Statements and log in at NuMark Online or NuMark Mobile at least once.
Earns Rebates/Interest$0.10 for every
signature-based or online debit card transaction of
$10 or more. 2
Higher interest on the first $10,000. Lower interest on the portion of balance over $10,000. 3
Minimum Balance$0$0$0
Monthly Fee$0$0$0
PerksMonthly Rebates 2Up to $5 ATM fees refunded. 3
Non-Network ATMsFirst 4 FreeFirst 4 FreeFirst 4 Free
Surcharge Free ATMsOver 29,000 Free ATMsOver 29,000 Free ATMsOver 29,000 Free ATMs

Courtesy Pay Enjoy convenience and peace of mind knowing that NuMark Credit Union will cover checks, electronic payments, debit card purchases, ATM withdrawals and transfers that won’t clear due to non-sufficient funds (NSF), helping you avoid the hassle and expense of a declined transaction. For this service there is a $30 fee for each covered item. 

Account balances should be brought positive within 30 days or less. Generally, overdrafts in excess of $1,000 are not paid for personal accounts opened more than 60 days. These limits include any non-sufficient funds and/or courtesy overdraft fees.

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QuickCa$h Overdraft Protection Availablecheckmark —checkmark
Free Visa Debit Cardcheckmarkcheckmarkcheckmark
Free Online Bankingcheckmarkcheckmarkcheckmark
Free Bill Paycheckmarkcheckmarkcheckmark
Free e-Statementscheckmarkcheckmarkcheckmark
Free e-Alertscheckmarkcheckmarkcheckmark
Free Mobile Banking
*Data and other wireless carrier charges may apply.
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Mobile Check Depositcheckmarkcheckmarkcheckmark
Digital WalletApple Pay, Google Pay, Samsung Pay, Visa SCR, and LG Pay
Switch Kitcheckmarkcheckmarkcheckmark
Shared Branching (CO-OP)Over 5,600Over 5,600Over 5,600

Need a second chance at checking? Call 815-729-3211 or contact us for more information.

1Statement Cycle means a period beginning the first day of the current statement cycle through the close of the current statement cycle.

2Account holders will earn $0.10 for every signature-based or online debit card transaction over $10.00 that posts and settles during each monthly statement cycle.  Qualifications to earn rebates:  e-Statements, and at least one login to NuMark Online or NuMark Mobile each statement cycle. Rebates will be credited to account on the last day of monthly statement cycle. If qualifications are not met, rebates will be forfeited. ATM and PIN-based transactions do not count towards qualifying debit card transactions. Excludes business and commercial accounts.

3 See current Deposit Rates for details. Qualifications to earn interest: 12 signature-based or online debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to NuMark Online or NuMark Mobile each statement cycle. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle. If qualifications are not met, interest is forfeited for that period. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. Limit one account per SSN.  Excludes business and commercial accounts.

Refer to the Fee Schedule for details. Other restrictions may apply. NuMark Credit Union checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the NuMark Credit Union Fee Schedule for a list of these types of fees. A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid paper statement fee, log in to your NuMark online banking account and change your statement preference to E-Statement. For a current Fee Schedule, please visit your nearest NuMark branch or call 815-729-3211 to have one sent to you.