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It pays to be a Credit Human member 

Earn $300 when you open a checking account with as little as $25.


Prefer to open in person? Visit a Financial Health Center near you and mention Promo Code: start2026

How it Works
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Open a checking account with as little as $25.
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Set up direct deposit and use your debit card 10 times within 90 days of opening your account.
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Enroll in digital banking and electronic statements.

Your $300 reward will be deposited directly into your account.

Offer limited to residents of San Antonio TX and New Orleans LA.

3 checking accounts designed to meet your needs

Free Checking

  • No minimum balance or monthly fees
  • Unlimited check writing
This account is right for you if:

You need a full-service checking account with no strings attached or you need checks.

Sensible Spend

  • No overdraft fees or monthly fees
  • Encourages budgeting and mindful spending
This account is right for you if:

You don’t need checks, and you’re working to establish better spending habits.

 

Aligns with Bank On standards for safe, affordable accounts

Dividend Checking

  • Dividends paid monthly
  • No monthly fees when you enroll in direct deposit and online statements
This account is right for you if:

You want to grow your account balance by earning dividends or you need checks.

Why Credit Human?

We 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.

Each Credit Human checking account comes with:

CashBack+

CashBack+ rewards you up to 20% for everyday purchases from groceries and gas to cardigans and coffee.

Easy Access

Manage your Credit Human account on-the-go with our digital banking app, and access cash anywhere via the worldwide network of Allpoint ATMs.

Early Pay

No more waiting until Friday. Early Pay gives you funds up to 2 days early and comes free with every Credit Human checking account.

Round Up & Save

Credit Human's Round Up feature allows you to build your savings automatically using the change from each purchase.

Open An Account

Terms and Conditions

Only one new checking account per primary member by household mailing address is eligible for the incentive offer and cannot be combined with any other Credit Human offers. You may not qualify for an incentive offer if you have previously received an incentive on any current or closed Credit Human checking account. Offer valid with online account opening or at any Credit Human location. Membership eligibility required and subject to Credit Human Membership Agreement. Offer is available to non-members and members without a checking account. Offer limited to residents of San Antonio, TX, Houston, TX and New Orleans, LA. Minors, business entities, and Credit Human employees are not eligible.


To receive the incentive 1.) Minimum deposit of $5 required to establish membership. 2.) Credit Human checking account required to be open before December 31, 2026. Most checking accounts require a minimum $25 deposit to open and 3.) to receive the $300 incentive, the checking account must remain open at least 90 days from account opening, a minimum of 10 point-of-sale debit card transactions (ATM excluded) with a minimum purchase of $10 per transaction, two recurring direct-deposits of a minimum of $500 each, digital banking and online statements enrollment must occur. Incentive to be deposited into your checking account within 90 days of account opening during promotion period of January 1, 2026, through December 31, 2026, is contingent upon meeting offer requirements and account must be in good standing.


Incentives are considered interest and will be reported on IRS Form 1099-INT. The Annual Percentage Yield (APY), for the Credit Human savings accounts effective as of December 12, 2025, is 0.55% 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 at https://www.credithuman.com/privacy for more details.