Completely free checking with BIG rewards.
Blue’s mission is to help members get more out of life, and that starts with getting more from their money. Extreme Checking can earn you up to 4.00% APY* on balances up to $15,000! Plus, you’ll get access to mobile banking, 30,000+ ATMs, nationwide branch access, free online bill pay and much more.
Features
Incredible Rates
Earn between 2.00 - 4.00% APY* on balances up to $15,000. You rate is based on your Rewards for Life score.
Refunded ATM Fees
Get up to $21/month in refunded ATM fees. Maximum recovery of $3 per individual ATM transaction.
No Fees & No Minimum Balance
We keep things simple with no monthly account fee and no minimum balance required to earn dividends.
Free Debit Card
All checking accounts come with a debit card, equipped with the worldwide power and security of MasterCard.
Overdraft Protection
Opt-in to Courtesy Pay and we’ll cover you in accidental overdrafts up to $1,000 for a small fee.
Dividend Criteria
We only have three easy criteria to qualify for Extreme Checking dividends:
10 Debit Transactions a Month
A minimum of 10 debit card transactions must post and clear your account. Excludes ATM transactions.
eStatements
You must be enrolled in eStatements with a valid email address on file.
Reoccurring Transactions
At least one of the following types of transaction must post and clear your account every month: direct deposit, automatic deposit/withdrawal (such as a scheduled transfer) or an online bill payment.
Convenient Online Banking, 24/7
Blue’s secure online banking lets you check your balances anytime and provides a powerful digital banking experience to help you easily manage your money on the go. Learn more.
Transfer Money
Pay Bills Online For Free
View eStatements
Reorder Checks
Change Or Recover Your Password
Quicken Support
MasterCard Benefits
We’ve partnered with MasterCard to offer you peace of mind while making purchases. Plus - you can easily file a claim anytime online.
Extended Warranty
Doubles the original manufacturer’s or store-brand warranty on eligible purchases for up to 12 months.
Price Protection
Reimburses you for the price difference on eligible items should you find a lower price within 60 days.
Zero Liability
If your card is lost or stolen and used to make unauthorized purchases, you won’t be held liable.†
Save While You Spend
At Blue we love helping our members save more. You can enroll to our free Smart Cents program with your Extreme Checking account. We’ll round up every debit card transaction to the nearest dollar amount and deposit the difference from your checking into your specified savings account.
Learn more
Rates & Calculators
Compare Accounts |
Extreme Checking |
Basic Checking |
Earn 5 Checking |
uAccount Youth Checking |
|---|---|---|---|---|
| Product Summary | Free checking account that lets you earn between 2.00 - 4.00% APY* with certain criteria. | Simple, free checking with absolutely no account requirements. | Earn 5 cents for every debit card purchase, up to $25/month. | Simple, free checking for anyone 23 years old or younger. |
| No Opening Balance Needed | • | • | • | • |
| No Min. Balance | • | • | • | • |
| Online/Mobile Banking | • | • | • | • |
| Free Online Bill Pay | • | • | • | • |
| CardNav Mobile Alerts | • | • | • | • |
| 30,000+ Free ATMs | • | • | • | • |
| 5,000 Nationwide Branches | • | • | • | • |
| Overdraft Protection | • | • | • | |
| Cleared Checks Archived Online | • | • | • | |
| Rewards for Life Point | • | • | • | • |
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Ready to Make the Switch
We’d love to have you part of the Blue family! Join online today so you can start experiencing the benefits of banking with the very best.