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Beyond Checking

Our Beyond Checking account offers the ideal combination of easy access to your money with the earning potential of a savings account, so take advantage of our 3% bonus rate today - one of the best in the industry! On average, our members earn $175 through the Beyond Checking 3.00% bonus!+

Are you ready to go Beyond traditional checking?

With a Beyond Checking account at Azura, you can earn up to $450 per year!+

Our Beyond Checking Includes:

Competitive Rates

Earn a bonus rate of 3.04% APY*, paid monthly.

ATM Reimbursement

Enjoy up to $12 in reimbursed ATM surcharges, refunded monthly.

Early Pay

When you sign up for direct deposit, you can get paid up to two days early. No more waiting for your money, and no paper check to get lost in the mail. (Early availability is based on the timing of the payer's payment instruction)

Instant Issue

Print your debit card immediately at one of our full-service branches. Enjoy a quick turnaround and no waiting.


Each time you make a purchase with your Community Impact Debit Card, Azura donates 5 cents from the Credit Union to your selected participating charity of choice - there's no monetary obligation from your account.

Online & Mobile Banking

Take your checking account with you anytime, anywhere. Enjoy mobile deposit, digital wallet, Money Management and more! 

24/7 Self-Serve Access

You can deposit cash and checks 24/7 through the self-serve function at our innovative ITMs.

Easy Access

Enjoy our many branch locations and wide network of over 30,000 ATMs to access your cash wherever you are.

ITM Video Teller

Virtually any transaction that is currently completed at a teller line can be completed at an ITM during branch hours with a video teller.

Visa Debit Cards

Our debit cards are here for your at no additional charge, as well as enhanced security with an EMV Chip and fraud protection.


We recognize that each Azura member is unique and we want to give you the option to personalize your debit card to fit who you are! Customize your Visa Debit Card today.

Open Your Beyond Checking Account Today

Minimum $25 to open

Bonus Rate Requirements

  • 15 debit card transactions with a minimum amount of $5 each per month
  • At least one Direct Deposit or ACH a month
  • Sign up and receive monthly E*Statements

$5 monthly fee is waived and Bonus Rate is paid when requirements are met. $12 in ATM surcharges refunded monthly if requirements are met.

Beyond Checking Rates

Effective Date: Tuesday, May 30, 2023

Beyond Checking

Beyond Checking RatesRateAPY*

Bonus Rate Tiers**

Balance up to $15,000.003.00%3.04%
Balance over $15,000.000.50% 0.50%

Rate if requirements are not met**

Base rate on all balances0.10%0.10%

*APY = Annual Percentage Yield.

**Bonus rate requirements per qualification cycle: receive e*statements, one (1) direct deposit or ACH, and 15 debit card transactions.

*APY = Annual Percentage Yield. Rate may change after the account is opened. Fees could reduce earnings.

+$450 projected earnings is based off of the maximum dividends that can be earned on a balances of up to $15,000 over a 12 month period. 3% x $15,000 = $450

++Average dividend was $14.74 for Beyond Checking accounts that qualified during the month of September 2022. $175 projected earnings is based off of the average dividend paid in September, for the next 12 months. $14.74x12= $176.88


Membership Benefits

At Azura, we are dedicated to innovative banking solutions. We give our members awesome benefits because we know when they succeed, the communities we serve succeed.