Checking Accounts
Find the perfect checking account to manage your everyday finances with convenience and security.
Cumulus Everyday Checking
Our most popular account, designed for your daily needs. It offers a straightforward banking experience with robust digital tools to manage your money on the go.
Key Features:
- Low $5 monthly maintenance fee, easily waived by maintaining a $500 minimum daily balance or receiving $250+ in total direct deposits per statement cycle.
- Free, unlimited access to thousands of Cumulus Bank ATMs across the country.
- Comprehensive Online & Mobile Banking suite, including free Bill Pay.
- Convenient Mobile Check Deposit using your smartphone camera.
- Access to optional Overdraft Protection services to help avoid declined transactions (fees may apply).
- Free Visa® Debit Card with chip technology for enhanced security.
Ideal For:
- Individuals needing a reliable account for daily spending and bill payments.
- Customers who utilize direct deposit for their income.
- Students, young professionals, or anyone starting their banking journey.
- Those who primarily bank digitally via online or mobile platforms.
Cumulus Premier Checking
Elevate your banking experience. Earn competitive interest on your checking balance and enjoy a suite of premium benefits designed for clients who maintain higher relationship balances with Cumulus Bank.
Key Features:
- Earn competitive, tiered interest rates on your entire balance – the more you save, the more you earn.
- Avoid the $20 monthly maintenance fee by maintaining a $10,000 minimum daily balance across linked eligible Cumulus deposit and investment accounts.
- Receive your first order of standard checks free.
- Get reimbursed for ATM fees charged by other banks nationwide, up to $15 per statement cycle.
- Includes all the digital tools and features of our Everyday Checking account.
- Preferred rates on select loans and CDs (subject to qualification).
Ideal For:
- Clients who maintain significant balances across their banking and investment accounts.
- Individuals looking to earn interest on their primary checking funds.
- Customers who frequently use ATMs outside the Cumulus Bank network.
- Those seeking a more comprehensive banking relationship with added perks.
Compare Checking Accounts
| Feature | Everyday Checking | Premier Checking |
|---|---|---|
| Monthly Fee | $5 (Waivers available) | $20 (Waivers available) |
| Interest Earning | No | Yes (Tiered) |
| ATM Fee Rebates | No | Up to $15/cycle |
| Free Standard Checks | No | Yes (First Order) |
| Online/Mobile Banking |