Personal Banking

Checking Accounts

Whether you're managing daily expenses or planning for the future, our checking accounts offer secure, fee-free access to your money with the support you deserve.

Become a Member

Share Draft Account

A share draft account at Arise Community Credit Union works essentially like a checking account. You can access your funds by writing checks, using a debit card, or at an ATM.

How It Works

Ownership: You HAVE to first open a primary share account with at least a minimum balance BEFORE you can open a share draft account (this allows you to become a member and a partial owner of the Credit Union).
Features: Share accounts typically offer lower fees and potentially better dividend rates compared to bank savings accounts. Share accounts are NCUA insured and offer a range of features like access using online banking, ATM access, and debit cards (for those with Share Draft Accounts).
Access: You can access your funds through checks, debit cards, ATMs, and online/mobile banking.
No minimum balance: Arise Community Credit Union share draft accounts do not have minimum balance requirements.
Federal insurance: Share draft accounts are insured by the National Credit Union Administration (NCUA), providing security for your funds.

Key Features and Benefits

No per-check fees: Many share draft accounts have no per-check fees.
Convenient access: You can easily access your money through various methods.
Membership: Being a credit union member can come with other benefits, like lower loan rates.
Shared branching: Arise Community Credit Union participates in shared branching, allowing you to access your funds at partner credit unions across the state and the country.

How to Open a Share Draft Account

Check Membership Requirements: You'll need to qualify for membership at Arise Community Credit Union, which involves living, working or worshipping in either Hennepin and or Ramsey County or having a connection to a particular organization.
Prepare Required Information: You'll likely need a government-issued photo ID, proof of address, and possibly other documents required by the credit union.
Make an Initial Deposit: Most share draft accounts require a small initial deposit to open the account.

In summary, share draft accounts offer a way to manage your everyday finances, often with the added benefit of potential dividend earnings and other membership benefits within the Credit Union.

Banking You Can Trust

Experience the benefits of fair and accessible banking—your money, your account, and your financial goals, all managed with ease.

No Hidden Fees

Bank without the fine print. Our fee-free checking means no monthly surprises, letting you keep more of what's yours, unlike traditional bank accounts.

Member Ownership

Experience the credit union difference. When you're a member, you're an owner. This unique model means better rates, lower fees, and profits reinvested right back into serving you and supporting our local community.

Overdraft Protection

Avoid costly surprises with overdraft protection designed to give you peace of mind and prevent unnecessary fees.

Community Support

Feel good about where you bank. Every dollar with us helps fund vital financial education, increase access to resources, and support community initiatives right here in Minnesota. Your banking makes a difference.

Personalized Support

You're unique, and your financial goals are too. Get one-on-one guidance, access personalized tools, and receive advice specifically designed to help you navigate your financial path and achieve success.

Growth Opportunities

We offer specific accounts and resources designed to help you effectively build or rebuild your credit, opening doors to future financial opportunities and long-term success.

Why Arise CU?

Your Partner in Building a Stronger Financial Future

As a member-owned credit union, we champion equity and financial inclusion by delivering transparent services that help you overcome obstacles and take charge of your future.

Learn more about us