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  • Routing #307083911

Money Manager Checking

Earn dividends on balances over $500 with no monthly maintenance fee.

Federally insured by NCUA.

A smiling woman paying for her meal at a restaurant using her phone

Make Your Everyday Cash Work Harder

Designed to support your financial goals simply and effectively with everyday essentials and rewarding features.

Give Your Checking Balance a Boost

Earn while you save

0.05% APY1 on balances of $500 or more.

No monthly maintenance fee2

Keep more of your money, no strings attached.

Complimentary overdraft transfers

From linked Sunward savings accounts when funds are available.

Instant Direct Deposit

Paychecks may arrive up to 2 days sooner.

How it works

Start Strong With Your Money Manager Checking Account

1

Apply Online

in less than 15 minutes

2

Add Direct Deposit

and get paid faster

3

Link Savings

for automatic overdraft transfers

4

Watch Dividends Grow

Dividends compound monthly and appear in your account

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.

1APY = Annual Percentage Yield. Subject to change. See our Rates Page for current terms.

2First two Money Manager checking accounts are free. A $5 monthly fee applies for each additional account unless enrolled in eStatements and eNotices.

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.