Simple Spend Checking
A check-free debit account with transactions that simply decline when funds aren’t available.
OPEN AN ACCOUNTFederally insured by NCUA.
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.
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.
Compare checking accountsUnlock 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.
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