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Fuel your new ride & earn up to $250!


Thank you for trusting us with your vehicle financing!
Ready for more perks? Open and maintain a new, active Magnifi checking account and earn up to $250!

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A checking bonus with all the perks

Get $100 at account opening and $50 per month for three months with qualifying activity

$100 Account Opening Bonus Requirements

  • Obtain new auto loan through Magnifi
  • One offer per new member (Cannot have had a checking account with Magnifi in the past 24 months)
  • Must be 18 years or older
  • Debit card required

$50 Monthly Bonus Requirements

  • Set up a recurring direct deposit totaling $750+ per month
  • Minimum of 8 Magnifi debit card purchases per month


Find the right checking account for you

We're here to help by offering checking accounts that meet your unique needs. Whether you're more interested in earning dividends on your checking account or the most basic account, we're here to help provide the right solution to your financial needs.

Checking Account Features

  • Free Mobile Deposit
  • Free Visa® debit card issued instantly at all branches
  • Free eStatements
  • Free access to Zelle®
  • Digital banking account
  • Free Mobile App
  • Digital wallet service
  • Surcharge-free access to Moneypass® ATMs
  • Direct Deposit
checking accounts for you and your busy lifestyle


Find the right checking account for you

Free Checking

Our most basic checking account with no monthly fee.

Unlimited number of check clearings
Does not earn dividends
No minimum balance
No strings attached


The perfect checking account for digital enthusiasts!

Earns Dividends - check rates
4 free check clearings per month1
No minimum balance
ATM surcharge reimbursements up to $12 per month2
Account requirements to avoid $5/mo. service fee: debit card, digital banking, and eStatements3
Free Ready Reserve

Relationship Checking

A traditional checking account that earns you money.

Earns Dividends (tiered levels) - check rates
15 free check clearings per month1
No minimum balance
Free Ready Reserve
Safe Deposit Box discount4
First box of checks is free5


High-Yield Checking

Earn higher dividends with larger deposits.

Earns highest-yielding dividends - check rates
Unlimited check clearings
ATM surcharge reimbursement up to $12 per month2
Maintain $2,000 daily balance to avoid $10 monthly fee

Requirements for high-yield rate include minimum of 12 debit card transactions per month, a reoccurring ACH direct deposit, and enroll in eStatements3
Free Ready Reserve

Get Started!

Apply online

Apply Online

New Members: Complete an application online.

Apply Now

Current Members: Apply in Digital Banking.

Sign In to Apply

Visit a local Magnifi Financial branch

Local Branch

Magnifi Financial has 25 local branches throughout Minnesota.

View Locations

Video chat with a Magnifi Financial team member

Video Banking

Talk to a Magnifi Financial team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video Call

Schedule An Appointment for a Virtual or In-Person Meeting


*Does not apply to existing accounts. New checking account members only; cannot have had a checking account with Magnifi in the past 24 months of account opening. New Magnifi checking account must be opened within 60 days of loan closing to receive bonus. Must be 18 years or older. Personal accounts only. One offer per social security number. Debit card required to receive bonus. Limited time offer. Total bonus earnings up to $250.00. $100 bonus will deposit in account at account opening. To earn the $50 monthly deposit bonuses, member must meet the following criteria: Monthly ACH deposit and make eight qualifying debit card purchase transactions monthly to maintain “active checking” status (does not include ATM transactions), debit card on checking account, and member must be in good standing (no negative balance on any share account or loan throughout the month). Member can earn up to 3 monthly deposit bonuses totaling $150. $50 monthly bonus deposits begin the month after account opening and are deposited on the last day of the month after requirements are met. If requirements of offer are not met, Magnifi reserves the right to reclaim the $100.00 account opening bonus.

Free Checking Annual Percentage Yield = 0.0%. Relationship Checking Annual Percentage Yield = 0.0% {Balance=$0.00-$999.99}. eChecking Annual Percentage Yield = 0.35%. High Yield Checking Annual Percentage Yield if qualifications are met = 4.50%{Balance=$20,000 or below}; see Truth-in-Savings disclosure for High Yield Checking qualification details.

Rates subject to change without notice. All bonuses are reported on IRS Form 1099-INT. $5 minimum balance in Share account required to maintain membership. Magnifi reserves the right to end the promotion at their discretion. Ask for details. Other restrictions apply. This credit union is insured by NCUA.

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Join the Magnifi Family!

At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.

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