Stress free checking that lets you focus on the moments that matter.
Everyday transactions. No monthly fees. Better financial health.
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Add Checking AccountWe offer purpose-driven financial products and guidance
If you're feeling financial stress, you're not alone. 167 million Americans feel the same way. We're here to help change all that. Credit Human's mission is to help people just like you create and maintain financial slack so you can use the money leftover after your monthly expenses to reach your financial goals and reduce money-related stress. We offer three checking accounts designed to make your money work for you and the people and things you care about.
Each Credit Human checking account comes with
CashBack +
CashBack+ rewards you up to 20% for digital gift card purchases to use on everyday purchases from groceries and gas to cardigans and coffee.
Round Up
Credit Human's Round Up feature allows you to build your savings automatically using the change from each purchase.
Early Pay
No more waiting until Friday. Early Pay gives you funds up to 2 days early.
Easy access
Manage your Credit Human account on-the-go with our digital banking app.
Access cash anywhere via the worldwide network of 55,000+ Allpoint ATMs.
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Add Checking AccountOur commitment to you
No jargon. No lectures. Just banking with purpose.
You’re more than an account at Credit Human. You’re an integral part of our vibrant community, and we’re here to walk with you every step of your financial journey. Credit Human is a not-for-profit credit union that prioritizes people and the planet over profits. We believe in empowering people at all stages of life to make informed financial decisions that build a better future. Our vision: to see all communities free of financial stress. Because when stress fades, people shine. This is what drives us to serve you well no matter your circumstances.
We like to think of ourselves as a different kind of credit union—and it’s a difference you can feel.
3 checking accounts designed to meet your needs
No nickel and diming you with fees means more of your money stays in your account.
Free Checking
- No fees
- No min. balance
- Unlimited check writing
You need a full-service checking account with no strings attached, need checks or you might want to use CourtesyPay.
Sensible Spend
- No possibility of overdraft
- Protection from unintended spending
You don’t need checks, you’re working to establish better spending habits and you do not want to use CourtesyPay.
Dividend Checking
- Dividends paid monthly
- No fees with direct deposit and online statements
You want to grow your account balance by earning dividends, you might want to use CourtesyPay, or you need checks.
A card you can trust
Your Credit Human debit card comes with savvy consumer protection, so you can rest easy knowing you’re secure and paying the best possible price for goods and services.
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Add Checking AccountDisclosures
The Annual Percentage Yield (APY), for the Credit Human savings accounts effective as of July 31, 2025, is 0.75% for balances $100 and greater. Dividend rates are variable. All Mastercard consumer debit cardholders in the US are eligible for Mastercard ID Theft Protection coverage and there is no charge for these services. You must enroll in order to receive Mastercard ID Theft Protection. Refer to the Mastercard Guide to Benefits for Debit Cardholders and other policies and disclosures at https://www.credithuman.com/privacy for more details.