Simple Spend Checking Account With No Overdraft Fees | Sunward

Simple Spend Checking

A check-free debit account with no overdraft or non-sufficient funds fees.

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Federally insured by NCUA.

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Earn 10% APY1
up to the first $1,000

Open a Simple Spend Checking account and enjoy this limited-time promotion for up to 12 months.

Open an Account

Terms apply2

Spend, swipe, and save on surprises

Perfect for students, teens, or anyone rebuilding credit, Simple Spend offers safe, straightforward spending with free cashier’s checks and access to 30,000+ ATMs.

Worry-free spending starts here

Debit-only convenience

Pay with Mastercard® and add to your mobile wallet.

Unlimited free cashier’s checks

Available anytime at any branch.

No non-sufficient funds or overdraft fees

Keep more of your money, no strings attached.

Sunward EarlyPay

Paychecks may arrive up to 2 days sooner. See how it works

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Simple, safe, and certified checking

Get peace of mind with a Bank On® certified account. With no overdraft fees, no surprise charges, and all the tools you need for everyday banking, it’s a smart choice for anyone looking to build or rebuild their financial future.

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Unlock your Simple Spend account’s full potential

  1. Apply Online

    in less than 15 minutes

  2. Get a Debit Card

    your key to secure, everyday spending

  3. Set Up Direct Deposit

    for earlier payday access

  4. Spend Safely

    with no overdraft fees*

Take charge of your finances anytime, anywhere.

Five gold stars 4.9 (13.9k Ratings) Apple App Store®

Sunward’s mobile banking app lets you access your accounts securely on your Apple® or Android™ smartphone or tablet.

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Other fees—for example, out-of-network ATM operator or data fees—may apply. Membership eligibility required.

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*Account declines purchases that would result in an overdraft

1APY = Annual Percentage Yield. Dividends are based on the account's average daily balance. Only one checking account per member is eligible for the 10% APY promotional rate.

2See full terms and conditions at gosunward.org/checking.