Simple Spend Checking

A check-free debit account with transactions that simply decline when funds aren’t available.

Federally insured by NCUA.

Spend, Swipe, and Save on Surprises

Perfect for students, teens, or anyone rebuilding credit, Simple Spend offers safe, straightforward spending with free cashier’s checks and access to 30,000+ ATMs.

Worry-Free Spending Starts Here

Debit-only convenience

Pay with Mastercard^® and add to your mobile wallet.

No non-sufficient funds or overdraft fees

Keep more of your money, no strings attached.

Unlimited free cashier’s checks

Available anytime at any branch.

Sunward EarlyPay

Paychecks may arrive up to 2 days sooner.

How it works

Simple, Safe, and Certified Checking

Get peace of mind with a Bank On^® certified account. With no overdraft fees, no surprise charges, and all the tools you need for everyday banking, it’s a smart choice for anyone looking to build or rebuild their financial future.

Unlock Your Simple Spend Account’s Full Potential

Apply Online

in less than 15 minutes

Get a Debit Card

your key to secure, everyday spending

Set Up Direct Deposit

for earlier payday access

Spend Safely

with no overdraft fees*

Take Charge of Your Finances Anytime, Anywhere

4.9 (13.9k Ratings) Apple App Store^®

Sunward’s mobile banking app lets you access your accounts securely on your Apple^® or Android^™ smartphone or tablet.

A smartphone with the Sunward mobile app open on it.

Other fees—for example, out-of-network ATM operator or data fees—may apply. Membership eligibility required.

Apple and the App Store are registered trademarks of Apple Inc. Android is a trademark of Google LLC.

*Account declines purchases that would result in an overdraft

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