MakeCents Checking Account

The MakeCents Checking account is a free checking account that gives you the opportunity to earn five cents each time you make a purchase with your debit card. While other financial institutions may only reward you for leaving money in your account and charge you fees for using it, at NUFCU we reward members for using their account. Because that just makes cents.

  • No minimum opening deposit or minimum balance
  • No monthly service fee
  • Free Online and Mobile Banking service1 including bill pay
  • Free e-statements
  • Free VISA® Debit Card
  • Earn interest when balance is $1000 or more
  • Deposit checks from your mobile device with Mobile Deposit
  • PLUS, earn rewards when you use your debit card***

Open An Account Today!

Earning Rewards is Easy
Each month you meet the following qualifications, you'll earn five cents for every debit card purchase (up to 100 transactions per statement cycle)

  • Opt out of receiving paper statements**
  • Have ACH deposits totaling $400 or more each statement cycle**
  • Have 12 debit card transactions of any amount during a statement cycle**

Your Account is Free EVERY Month
Even if you do not qualify for rewards for the month, there is no penalty or fee. Your MakeCents checking account is always free and you can get back to earning rewards the very next month that you qualify.

Rewards Paid Monthly
At the end of each month, rewards are calculated and paid to your account. Your statement will show the amount of rewards you earned for the previous month. Surcharge Free ATM Network
We give you access to a surcharge-free ATM network of almost 30,000 locations. FREE ATMS near you.

Digital Wallet
To add your NUFCU debit and credit cards to your phone’s mobile wallet, simply locate the appropriate app on your phone, and follow the instructions for adding your card to the app. Or you can go to "MyCards" in online banking or when you are using the mobile app and click on the Google Pay or Apple Pay button and follow the prompts.
We offer the digital wallet for:

  • Apple Pay
  • Samsung Pay
  • Google Pay

Courtesy Pay
What is Courtesy Pay? Courtesy Pay is a service the credit union offers that works like a safety net for your checking account. By providing up to $750, we will pay merchant charges and allow you to pay us back. The small fee associated with Courtesy Pay protects you from receiving returned checks and NSF(Non Sufficient Funds) fees. Courtesy Pay is an optional service. Learn more

Check out our account & service fees schedule and account disclosure documents. 

Federally insured by NCUA. **Statement cycles are from the first day of each month thru the last calendar day of the month. Some debit card and ACH transactions may take one or more business days to appear on your statement so transactions made towards the end of the month may not count until the following month. ***This account is intended to be the accountholder’s primary debit account in which payroll deposits are made and everyday expenses are paid from. If it appears that you are not using your account in that manner and for example, making excessive small transactions, we may (with notice) consider this to be abuse of the account purpose and convert your account to a different type of share account or close your account completely.

1Standard data and message rates apply.