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Checking Accounts

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. Take advantage of mobile check deposit, access to secure payment solutions with digital wallets, free Visa debit cards and more! We’re here to help you do more with your money. Start saving today; we make it easy to switch. From financial goals to fantastic realities, we have a checking account for you. Compare our accounts and learn more about specific features below.


Preventing Overdraft FeesPreventing Overdraft Fees
Learn why overdraft fees occur and how to avoid them.                 6 min       Preventing Overdraft Fees

Compare Checking Options

Personal Checking Features Common Cents Checking
Start Now
NuDreams Checking
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Ultimate High-Yield Checking
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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 1 Must 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
Perks Monthly Rebates 2 Up to $5 ATM fees refunded. 3
Non-Network ATMs First 4 Free First 4 Free First 4 Free
Surcharge Free ATMs
Over 55,000 Free ATMs Over 55,000 Free ATMs Over 55,000 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 Available checkmark  — checkmark
Free Visa Debit Card checkmark checkmark checkmark
Free Online Banking checkmark checkmark checkmark
Free Bill Pay checkmark checkmark checkmark
Free E-Statements checkmark checkmark checkmark
Free E-Alerts checkmark checkmark checkmark
Free Mobile Banking
*Data and other wireless carrier charges may apply.
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Mobile Check Deposit checkmark checkmark checkmark
Digital Wallet Apple Pay, Google Pay, Samsung Pay, Visa SCR, and LG Pay
Switch Kit checkmark checkmark checkmark
Shared Branching (CO-OP) Over 5,600 Over 5,600 Over 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.

All of your accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, so your money is safe and sound.