Everything you expect from a modern checking account, backed by local people who care—and a yield up to 35x higher than the national average¹ to help your money go further.
Ready for 35x more¹? Meet Velocity Checking.
Our most powerful checking account earns you more, can cover you when you're short², doesn't charge you fees and comes with local support whenever you need it.
Your balance earns
2.50% APY³
No Fees, No Minimum Balance
Get Paid Up To 2 Days Early⁴
Total Security Protection
Checking that gives you more. In every direction.
Some checking accounts give you great rates but no local branches. Others give you friendly service but fall short on today's digital banking tools. And some completely ignore their local community that makes it all possible.
Velocity Checking gives you everything you want with nothing you have to give up.
35x More Earnings
2.50% APY³—up to 35x higher than the national average¹.
Bank Anywhere
Everything you'd expect from today's best digital banking.
Community-Based
Local branches, real people and a credit union invested in your community.
Your money works here.
It works for you through better checking. And it works for your community through local lending, community partnerships and a credit union that puts people before profits. To take a closer look at Earthmover's local impact, visit our Community Impact page.
Modern banking should never come at the expense of human connection. Velocity Checking brings together powerful everyday banking with a local credit union that's invested in helping members and communities move forward.
35x More Earnings¹
Most checking accounts let your money collect dust. Velocity puts it to work.
Available Overdraft Protection²
Go a little over? We've got your back.
Fee-Free Banking
No monthly fees or minimum balance. We're not here to penalize you for being human.
Get Paid Up To 2 Days Early⁴
Your money deposited into your account sooner than you anticipated. Cha-ching!
Total Security Protection
Real-time alerts, card controls, two-factor authentication and Visa Zero Liability⁵.
Locally Committed
When you become an Earthmover, you help your community move forward.
Tell your checking to earn more and fuss less.
Choose the checking that fits your life.
Whether you want maximum earnings or effortless simplicity, both Velocity Checking and Pace Checking come with real human service and a whole lot to love.
Velocity Checking
High-earning checking without the headaches.
- Earn 2.50% APY³
- No monthly fees or minimum balance
- Overdraft protection available²
- Digital wallet-ready
- Get paid up to 2 days early⁴
Open a Velocity Account
Pace Checking
The basics, beautifully uncomplicated.
- No monthly fees
- No minimum balance
- Get paid up to 2 days early⁴
- Digital wallet-ready
- BankOn certified
Open a Pace Account
The best of modern banking, all in one place.
Earn more, skip the monthly fees and get convenient access to your money, all backed by local people and top-of-the-line security features.
|
Earthmover Velocity Checking |
Earthmover Pace Checking |
Chase Total Checking |
Chime | ||
|---|---|---|---|---|---|
| Earns Dividends | 35x the national average¹ | ||||
| Monthly Fees | $15/month | ||||
| Minimum Balance | $1,500* | ||||
| Overdraft Protection Available | |||||
| Get Paid 2 Days Early | |||||
| Send Money with Zelle® | |||||
| Fee-Free ATMs | 37,000+ and growing! |
37,000+ and growing! |
14,000+ | 47,000+ | |
| Local Community Giveback Program |
Table information is accurate as of August 2026 and is used for comparison only. Competitor’s account capabilities, including Earthmover’s, are subject to change without notice.
*Chase Bank allows the monthly fee to be waived if certain requirements are met. Visit bank’s website for more details.
Earthmover balances today's smartest checking features with the kind of real-world support that never goes out of style: helpful people, local branches and a credit union that shows up for its community.
Banking Built Around People
Modern checking backed by real people who know your community and are here when you need them.
Community-Powered
Every account helps support local families, businesses and organizations throughout the communities we serve.
People Over Profits
We're focused on helping members succeed, not maximizing returns for shareholders.
Local Help, Real Answers
Whether online, over the phone or in a branch, you'll always have access to real people ready to help.
You're More Than an Account Holder. You're an Earthmover.
When you open an Earthmover checking account, you become part of something bigger. As a member-owner, your banking relationship helps support local people, local businesses and the communities we call home.
Community Impact
Since 2013, we've donated over $517,000 directly to our local community and the people who make it shine.
See our impactOver $53 Million in Savings
Since 2011, we've saved our members over $53 million in interest by refinancing auto loans, personal loans, mortgages and offering balance transfer specials, etc.
Learn moreHere For You
With over 90 local staff members serving five branch locations (and growing), you can step in our front door and speak with real people ready to help.
Visit a branch¹ 35x Higher Earnings: As of August 2026, the national average APY for interest-bearing checking accounts in the United States is approximately 0.07% APY, according to FDIC data.
² Overdraft Protection Available: Members will have the option to opt in for Earthmovers’ Optional Overdraft Services which will protect your checking account when you don't have available funds to cover a transaction. Certain restrictions apply. Member must be in good standing. Member must be 18 years or older. This applies to checking accounts only. If used, we will charge you a $28.00 fee each time we pay an overdraft. Visit our Optional Overdraft Service Opt-In Request page for complete details on this service and how it applies to you.
³ 2.50% APY: APY = Annual Percentage Yield. Earthmover Credit Union membership required. In order to qualify for 2.50% APY on account balance, members must maintain a minimum account balance of $0.01, must be enrolled and active in Earthmover's Online Banking, be enrolled in paperless statements (eStatements) or be 65 years of age or older, have an active Earthmover Visa Credit Card and complete at least one (1) transaction OR make a minimum of 15 Visa debit card transactions per month with a $10.00 minimum per transaction amount (does not include ATM withdrawal), and have a total direct deposit amount of at least $500.00 in savings and/or checking. Direct deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute direct deposit activity. 2.50% APY is only valid up to $5,000.00. Any balance greater than $5,000.00 will be paid at the stated dividend rate and APY for that tier. Dividends earned will be posted to the account on the second business day of the month following the dividend period. Offer and rate is subject to change without notice. See an Earthmover Credit Union team member for more details.
⁴ Get Paid Up To 2 Days Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Not every employer submits and settles their payroll early. Earthmover Credit Union generally makes these funds available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date. If you have questions on your payroll timing, please consult your employer’s payroll department.
⁵ Visa Zero Liability Policy covers eligible unauthorized transactions processed through the Visa network. Certain conditions and limitations apply. Visit the Visa Zero Liability policy page for complete details.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. All trademarks and logos are the property of their respective owners.