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  • Routing #307083911

Find the Right Fit for Your Finances

Choosing the right checking account shouldn’t be a guessing game. Compare your options for the account that fits you best.

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Overview

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No Monthly Maintenance Fees1

$0 Minimum Opening Deposit

Instant Direct Deposit 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.

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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.

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Dividend-Earning

Unlimited Free Cashier's Checks

Quick Cash Checking

Flexible, hassle-free banking with no monthly fees or balance requirements—perfect for simple, everyday spending.

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Money Manager Checking

Earn 0.05% APY2 on balances of $500 or more — ideal for those who want to grow their everyday checking balance.

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Simple Spend Checking

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.

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Minor
Accounts

Build money skills with a parent-owned Quick Cash or Money Manager account—designed for kids and teens learning to manage their finances with parental guidance.

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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.

Refinance Your Auto Loan.
Get $300 Cash Back3

Looking to save more on your auto loan? Move your loan to Sunward from another lender and you could lower your monthly payment and get a $300 cash bonus.

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 - 12/31/2025. Applications must be submitted by 12/31/2025. 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.