Compare checking accounts
Choosing the right checking account shouldn’t be a guessing game. Compare your options for the account that fits you best.
Explore checking solutions
| Scroll to compare  | Quick Cash Checking | Money Manager Checking | Simple Spend Checking | Minor | |||
|---|---|---|---|---|---|---|---|
| Overview | Flexible, hassle-free banking with no monthly fees or balance requirements—perfect for simple, everyday spending. | Earn 0.05% APY2 on balances of $500 or more — ideal for those who want to grow their everyday checking balance. | A Bank On® certified Debit-only account with Mastercard and mobile wallet access and unlimited free cashier’s checks—ideal for first-time account holders or those rebuilding credit. | Build money skills with a minor account—designed for kids and teens learning to manage their finances. | |||
| No Monthly Maintenance Fees1 |  | | | | |||
| $0 Minimum Opening Deposit | | | | | |||
| Sunward EarlyPay Eligible | | | | | |||
| Overdraft Protection  Overdraft Protection automatically transfers funds from your linked Sunward accounts if a transaction would overdraw your checking. You choose which accounts to use and the transfer order. Learn More | | | N/A | | |||
| Courtesy Pay Courtesy Pay may cover overdrafts for certain transactions, including debit card purchases (with opt-in). A $25 fee applies if your account is overdrawn by more than $25, with a limit of six fees per day. Learn More | | | N/A | - | |||
| Dividend-Earning | - | | - | | |||
| Unlimited Free Cashier's Checks | - | - | | - | |||
Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).
Banking made better
Access to 30,000+ ATMs
Nationwide access to surcharge-free ATMs through our partner network.
Anyone Can Apply
Anyone can apply to join, including the employees of more than 1,400 partner companies.
No Monthly Maintenance Fees¹
Keep more of your money, no strings attached.
Branches Across the Southwest
With 16 conveniently located full-service branches in New Mexico, Colorado, and California.
1First two Money Manager and Quick Cash checking accounts are free. A $5 monthly fee applies for each additional account unless enrolled in eStatements and eNotices.
2APY = Annual Percentage Yield. Subject to change. See our Rates Page for current terms.
3Promotion applies to auto loans refinanced between 7/7/2025 - 03/31/2026. Applications must be submitted by 03/31/2026. Auto loans currently financed with Sunward do not qualify. A cash bonus of $300 will be paid to the member’s primary savings account on the first day of the month following the first payment and after 90 days. Bonus available to the primary borrower only; co-borrowers do not qualify. RVs, motorcycles, ATVs, boats and trailer vehicles do not qualify. Early payoff within 90 days will forfeit the bonus. All credit tiers and terms eligible, subject to credit approval. Cash bonus may be considered taxable income. Recipients are responsible for any applicable taxes. Sunward reserves the right to modify, extend, or terminate this promotion at any time without prior notice.
Other fees may apply. See Schedule of Fees for details. Membership eligibility required.