Your Money. Your Move.
Get more of what matters this summer as we simplify your banking. Beginning July 1, we're introducing three upgraded checking accounts, each designed for different spending styles.
Empower Checking
Perfect for Load & Go members or anyone wanting to reestablish a checking account with CASE. Empower is designed to support confident spending and healthy financial habits.
Everyday Checking
Ideal for members who want straightforward access to their money. Includes the best of Everyday Checking with more free ATM access and added perks.
Elite Checking
The account to choose if you love your Debit Rewards checking. Earn dividends and rewards on your everyday spending when you meet a few easy qualifications.
Whether you’re all about simplicity, maximizing rewards, or building better money habits, there's an account that fits. And the best part? You get to choose.
Frequently Asked Questions
Why is CASE changing its checking accounts?
We’re simplifying our checking options to make banking easier and more rewarding for our members. These new accounts were designed based on member feedback and offer improved features, better value, and more flexibility.
What are the new checking account options and are there any additional benefits?
You’ll be able to choose from three upgraded accounts for your personal banking:
- Empower Checking – Designed to help safely build financial success
- Everyday Checking – Simple, convenient, no-frills banking
- Elite Checking – Earn interest and rewards on your everyday spending
Added benefits include:
- Unlimited check writing (Everyday and Elite Checking)
- Unlimited transactions at CASE CU and 30,000 Co-Op ATMs
When will the new accounts be available?
Members can begin switching to a new account starting July 1, 2025.
How can I upgrade my checking account?
No problem! If you don’t make a selection by September 3, 2025, we’ll automatically move you into the account that best fits your needs based on your current activity. You can still change your account later if you’d like.
Will my account number or routing number change?
No. Your account number and routing number will stay the same.
Will I need to order new checks or update my direct deposit?
Nope! Your existing checks and direct deposits will continue to work as usual. If you receive a new debit card, we’ll let you know when and how to activate it.
Will I get a new debit card?
Only certain members switching into the new Elite Checking account will receive a new card. If that applies to you, you’ll be notified and supported through the process.
All debit cards will have the tap to pay feature.
What are the benefits of the new Elite Checking account?
Elite Checking offers:
- Earn 5% APY1 on your balance up to $10,000
- Rewards points through uChoose Rewards
- Flexible redemption options like gift cards, travel, or cash back
- All the benefits of Everyday Checking, too!
How do I know which account is right for me?
We’ve designed each of our new checking accounts with specific lifestyles and financial goals in mind. Here’s a quick guide to help you decide:
Everyday Checking
Perfect for members who want simple, convenient banking without the extras.
Great fit for:
- Someone who uses their checking account mostly for bills and direct deposits
- A retiree or busy professional who values straightforward account access
- Anyone coming from our Free eChecking, Basic Checking, or Classic Checking
Elite Checking
Ideal for those who want to earn rewards and interest on their everyday banking.
Great fit for:
- A frequent debit card user who wants cash back or gift cards through uChoose Rewards
- Someone with regular direct deposit who meets monthly activity goals
- Members who previously had Debit Rewards, Plus, Advantage, or e-Checking
- Anyone looking to maximize their money and be rewarded for routine spending
Empower Checking
Designed for members who are just starting out and like extra protections for their finances.
Great fit for:
- Young adults or students managing their first account
- Members who want guardrails on their spending (no checks, no ATM deposits)
- Those who previously had a Load n’ Go account or want a Bank On-certified product
If you're still unsure, our team is always happy to help you review your options and pick the account that works best for you.
Will this impact my savings account or other services?
No. This change only affects checking accounts. All other CASE products and services will continue as usual.
Will I need to update any (ACH) automatic clearing house deposits and withdrawals through my checking?
Your ACH deposits and withdrawals will process as scheduled.
Will I need to update any recurring debit card payments?
If you receive a new card number, card payments will need to be updated. You can find your recurring card payments in the mobile app or online banking and navigating to the card hub feature.
What protections does the Empower Checking account offer?
The Empower Checking account does not offer Just in CASE overdraft protection, ATM deposits, Deposit Express, personal checks, Zelle, or funds transfers to safeguard your account.
What are uChoose Rewards?
Earn rewards points for swiping your debit card. You can redeem points for cash back, gift cards, merchandise, travel, etc.
What is a qualifying transaction?
Point of Sale transactions are included (at merchant or online). Does not include ATM transactions.
1APY = Annual Percentage Yield. To qualify for the monthly high interest reward (5.00% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 20 debit or credit card purchase transactions on accounts to which you are an owner during the statement cycle, (2) receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and (3) be enrolled in and receive monthly eStatements. Statement cycle: The statement cycle is defined as the period beginning on the first day of each calendar month and ending on the last day of the same month. Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly statement cycle, 5.00% APY will apply to balances $10,000.00 and below; 0.05% APY will apply to balances of $10,000.01 or more. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the statement cycle and dividing by the number of days in the statement cycle. All Elite Checking Accounts in which reward qualifications are not met will not earn a dividend in the statement cycle. If you close your account before interest is paid, you may not receive the accrued interest. General information: Rates are variable and subject to change at any time. Fees may reduce earnings. Limit one high interest checking per Social Security number.
2uChoose Rewards is a valuable points-earning benefit for Elite Checking Accounts and the Platinum uChoose Rewards VISA cardholders. You can use your points to redeem for any available reward options, including cash, gift cards, travel, and much more. Redemption values for reward options vary. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 1 point for the Cash Back special categories on the Platinum uChoose Rewards VISA Credit Card, Business Premier VISA Credit Card, and the Debit Rewards Checking Account, with the exception of the Debit Reward Checking Account’s 0.33% all other purchases category, which are tracked as points and each $1 in Cash Back rewards earned is equal to 0.33 points. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. You may also see, "points" or "uChoose Rewards points" when referring to the points you can use. In order to redeem Cash Back rewards, a minimum of 1,500 points is required for all three account types.