Connexus Credit Union Xtraordinary Checking review

Connexus Credit Union Xtraordinary Checking pays 4.50% APY on balances up to $25,000 and 0.25% APY above that in any month you meet three requirements: 15 debit card purchases or $500 in debit card spending by month end, eStatements, and a direct deposit or ACH deposit of at least $500 from a non-Connexus account. The spending option matters: one large card payment can count toward the goal, which suits people who do not swipe a card 15 times a month. There are no monthly fees and no fees for missing the requirements, and qualifying months also bring $15 in rebates of ATM provider surcharges. An Xtraordinary Checking Progress tool in Digital Banking tracks where you stand. The trade-off is sharp: a missed month earns no yield at all and no ATM rebates. Each member may hold only one Xtraordinary Checking Account, and you must join Connexus to open it.

Who it is for

savers who want a high checking yield with a low card spending bar

Price

$0 monthly fee and no fee for missing the monthly requirements.

There are no fees for not meeting the monthly requirements.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 4.50% APY on balances up to $25,000 when monthly requirements are met
• 0.25% APY on the portion above $25,000 in qualifying months
• Qualify with 15 debit card purchases or $500 in debit card spending
• Up to $15 a month in rebates of ATM provider surcharges
• Xtraordinary Checking Progress tool in Digital Banking

Strengths and weaknesses

• Strength: $500 in debit card spending counts in place of 15 purchases
• Strength: A $500 direct deposit or ACH deposit from a non-Connexus account qualifies
• Strength: No fees for missing the monthly requirements
• Weakness: Earns no yield in a month the requirements are missed
• Weakness: Only one Xtraordinary Checking Account is allowed per member
• Weakness: Credit union membership is required

Key facts

• Top APY: 4.50% up to $25,000
• Monthly fee: $0
• Deposit needed: $500 direct deposit or ACH per month
• ATM surcharge rebates: $15 per month

Where it ranks

Connexus Credit Union Xtraordinary Checking is No. 2 in our Best High Interest Checking Accounts verdict.