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Sunshine Checking

Banking Made Brighter

BECOME A MEMBER

Rates current as of September1, 2026

Welcome to Sunshine Checking, the account designed to fit your life, your way. Whether you prefer to keep things simple or enjoy extra perks, Sunshine Checking gives you the freedom to choose.

Customize Your Account

Perkless

Keep it simple with no perks
Free*
  • All the Essential Features
BECOME A MEMBER >

*Paper statement charge applies when not enrolled in eDocuments. Under-Utilization charge applies with limited activity over six months. See Our Rates & Service Charges schedule for more information. Sunshine Checking not available for business accounts.

One Perk

Your choice of one perk
$ 3
50
Monthly
  • 1 Perk of Your Choice
  • PLUS all the Essential Features
BECOME A MEMBER >

*Paper statement charge applies when not enrolled in eDocuments. Under-Utilization charge applies with limited activity over six months. See Our Rates & Service Charges schedule for more information. Sunshine Checking not available for business accounts. Subscription cost applied the first day of the following month. Changes made to remove any/all perk selections will be completed at end-of-month after benefits are paid.

Two perks

Your choice of two perks
$ 5
00
Monthly
  • 2 Perks of Your Choice
  • PLUS all the Essential Features
BECOME A MEMBER >

*Paper statement charge applies when not enrolled in eDocuments. Under-Utilization charge applies with limited activity over six months. See Our Rates & Service Charges schedule for more information. Sunshine Checking not available for business accounts. Subscription cost applied the first day of the following month. Changes made to remove any/all perk selections will be completed at end-of-month after benefits are paid.

ALL PERKS

Unlock all the perks
$ 7
99
Monthly
  • All Perks
  • PLUS all the Essential Features
BECOME A MEMBER >

*Paper statement charge applies when not enrolled in eDocuments. Under-Utilization charge applies with limited activity over six months. See Our Rates & Service Charges schedule for more information. Sunshine Checking not available for business accounts. Subscription cost applied the first day of the following month. Changes made to remove any/all perk selections will be completed at end-of-month after benefits are paid.

Best Value

Essential Features in Every Account

Every Sunshine Checking account comes with powerful tools and benefits to make banking effortless:

  • Early Direct Deposit*: Get paid up to two days early - because your money should work on your schedule.
  • Fraud Monitoring: Stay safe with robust monitoring and the option to set up your own security alerts in digital banking for extra peace of mind.
  • Tap & Go Debit Card: Convenient and secure purchases, anywhere and everywhere.
  • Credit Score Monitoring to help you stay on top off your financial health.
  • Robust Digital Banking Platform: Manage your money anytime, anywhere with our suite of digital tools including: Zelle®, free budgeting tools, and more!
  • Complimentary Extras: Access financial advisors, free financial education, and discounted auto, home & life insurance for a complete financial toolkit.
  • No Minimum Balance: Banking freedom with no daily balance requirements.

 *Subject to employer and/or payer terms and conditions, deposits may be made available up to two days earlier than the scheduled posting date.

Service Charge Schedule  |  Fraud Alerts Program Overview

Add-On Perks Designed for You

  • ATM REFUNDS: Get two ATM fees refunded per month (up to $10 each).
  • CASH BACK: Receive $0.05 per transaction when you make 20+ debit card purchases and spend $300+ monthly.
  • EARN DIVIDENDS: Help grow your money with interest. See our rate schedule for current rate and balance tier information. Current Rates >
  • SKIP-A-PAY: Skip one eligible loan payment per year (a $40 value).
  • NEXT CERTIFICATE BOOST: Increase your return with a 0.25% boost on one certificate at a time.
  • NEXT LOAN RATE DISCOUNT: Reduce your next eligible loan by 0.25% APR*.
  • SUNSHIELD: Get one $20 Courtesy Pay service charge reversal per quarter, saving you up to $80/year.

 *Maximum Cash Back benefit is $250 per month. Please see Skip-A-Pay form for complete program details. Certificate Boost increases your Annual Percentage Yield. Rate increase will not apply to Save-to-Win Certificates. Certificates renew at the rate and tier which corresponds with the balance and terms at time of renewal. See Our Rates & Services Charge schedule for more information. Eligibility for Loan Rate Discount based on personal financial situation and creditworthiness. Annual Percentage Rate (APR) discount is applied to your next eligible loan, current loans do not qualify. Rate cannot go below established floor rate. Any Real Estate, Visa® credit card, Share or Certificate Secured, Step Forward, Fresh Start, FirstFunds loans are not eligible for discounted rate perk. Perks can be combined with other eligible rate boost or discount offers.

Service Charge Schedule  |  Fraud Alerts Program Overview

Take the Quiz to Find Your Perfect Sunshine Fit