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Personal Checking Accounts

Checking accounts bundled with convenient services

Convenience is a necessity in today’s hectic world. 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.

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Find the right checking account for you

Youth Checking

A great start for your first taste of financial freedom.

10-17 years old
Pick any checking account
Get your parent or guardian to sign on as a joint holder
Get your free debit card instantly at any branch

Free Checking

Our most basic checking account with no monthly fee.

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


The perfect checking account for the tech-savvy person!

Earns Dividends - check rates
4 free check clearings per month1
ATM surcharge reimbursements up to $12 per month2
Required 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
Free Ready Reserve
Safe Deposit Box discount4
First box of checks is free5


  • No Minimum Balance
  • 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

1. $0.10 per item fee for checks cleared in excess of stated amount. For Relationship checking, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
2. Eligibility for surcharge reimbursements only applies if account requirements are met (includes debit card, digital banking, and eStatements).
3. $5 monthly fee if account does not have a debit card or if account is not enrolled in eStatements through internet banking or mobile app (includes undeliverable eStatements).
4. Reduce fee $5 annually if enrolled for auto payment.
5. Magnifi Financial standard check style, other styles available at member's expense. Available only at account opening.



Effective Date 7/1/2023

Type Dividend Rate APY Min Opening Deposit Min Balance to Earn Stated APY
eChecking** 0.35% 0.35% $0.00 $0.00
Relationship Checking 0% 0% $0.00 $0 - $999
  0.30% 0.30%   $1,000 - $4,999
  0.35% 0.35%   $5,000+
High-Yield Checking (Discontinued) 0% 0% $0.00 $0 - $1,999
  1.00% 1.00%   $2,000 - $24,999
  0.05% 0.05%   $25,000+
APY = Annual Percentage Yield. 
Rates are subject to change without notice. Dividends compound monthly.

** Fees could reduce earnings

Get Started!

Apply online

Apply Online

New Members: Complete an application online.

Apply Now

Current Members: Apply in Digital Banking.

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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

Helpful Additions for your Checking Account

Digital Banking

Optimize your checking account with our digital banking platform and add-on services.

Go Digital

Save the Change

Round up your debit card purchases and build up your savings for future expenses.

Start Saving

Overdraft Protection

Safeguard yourself against overdraft fees by adding this perk to your checking account.

Learn More



Check out all of your other options you can utilize with Magnifi Financial's suite of products and services! Our team works with you individually to ensure you're on track to reaching your financial goals.

Reorder Checks

Need more paper checks? Click here to order a new box of checks online with Harland Clarke.

Switch Kit

If you're coming from another bank or credit union, we can help make the switching process easier.


Invest your money and watch it grow with a variety of savings accounts fit for you.
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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.

Am I Eligible? Become a Member