Our Checking Accounts

Choose a checking account with Emery Federal Credit Union, located in Cincinnati, Ohio, that’s fit for your needs and lifestyle

Student Rewards Checking

Our Student Rewards checking account is a FREE checking account designed for members 14-25^^ years old. It is an ideal first checking account that teaches good financial health for students. After turning 26, members automatically graduate to our Emery Rewards Secure checking account to continue to support your needs and lifestyle.

This account features cell phone protection, identity theft protection, mobile check deposit (available after the account has been open 30 days) and more.

To see how this account compares, click here.

To learn more about the rewards with this account, click here.



Rewards Secure Checking

A Rewards Secure checking account pays you back for just using your account and gives you peace of mind.

This account offers identity theft protection for you and your household, cell phone protection and more. The monthly fee of $3.95 can also be waived if you hit certain criteria in that month.

To see how this account compares, click here.

To learn more about the rewards with this account, click here.

Basic Checking

Our “no-nonsense” checking account is for members who just need the basics. This account has access to all the standard features you have come to expect from us.

To see how this account compares, click here.

Second Chance Checking

Sometimes things happen that cause your credit to suffer. We get it. Regardless of how it happened, we are here to give you all the tools you need to rebuild your credit and get back on your feet.

To see how this account compares, click here.

Rewards with Student & Rewards Checking

Wondering more about the extra things you get with your Student Rewards or Rewards Secure checking account? Look no further!

Identity Theft Protection*

Protection for our members, joint account holders, spouse, dependent children to age 25 and parents living in same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world. Even if the event has nothing to do with your account at Emery Federal Credit Union.

This protection offers:

  • Total Identity Monitoring
  • Triple Bureau Credit and Credit Score Monitoring
  • Identity Theft Expense Reimbursement
  • Fully Managed Recovery Services
Cell Phone Protection**

Cell phone protection against stolen or damaged phones. As an eligible account holder you receive up to $300 to reimburse the cost of replacing or repairing your device. This protection covers you at home and abroad.

Rewards Checking Account Dividend

For both the Student Rewards and Rewards Secure checking accounts, you can get paid for just using your account!

Emery Student Rewards members earn a dividend of 2.50% for balances up to $2,500. For balances over $2,500, students earn a dividend of 0.05%.

At the end of the month with a Rewards Secure checking account, you could receive the following dividends:

  • 2.25% APY*** on balances up to $2,500
  • 0.05% APY*** on balances over $2,500
  • 0% on non-qualifying balances

You must meet the following qualifications to receive your dividend:

  • Have debit card purchases totaling at least $350 monthly
  • Are enrolled in monthly eStatements
  • Sign into online or mobile banking at least once per month
  • Make one direct deposit totaling $500 or more at least once per month

If you meet all the above requirements, and have debit card purchases totaling at least $700 per month, you could also have your Rewards Secure checking account monthly fee waived as well!


^^ Subject to approval 

*Requires activation. 

**Your most recent month’s cell phone billing must be paid from your Emery account to be eligible for this benefit. Special Insurance Program Notes: The descriptions herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.

***APY = Annual percentage yield accurate as of 3/01/2022. Rates may change after account is opened. If qualifications are met each monthly qualification cycle balances up to $2,500 will receive 2.25% APY and balances over $2,500 will earn 0.05% APY. If qualifications are not met at all, no dividend will be paid. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per SSN. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.


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