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Conexus Credit Union Review

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Conexus Credit Union at a glance

Conexus Credit Union was founded in 1937 as the Regina Co-operative Savings and Credit Union. Today, Conexus is one of the largest credit unions in Saskatchewan.

• Conexus Credit Union account options Savings Chequing Mastercard credit cards Investing
• Other Conexus Credit Union services Loans Mortgages Lines of credit Business accounts and financing

Conexus Credit Union overview

Conexus Credit Union is a Saskatchewan-based credit union with 30 branches across the province and nearly 900 employees. As a co-operative organization, Conexus Credit Union prioritizes co-op principles like democratic member control, member economic participation and concern for the community.

Community support plays a large role in this co-operative organization. Conexus partners with a number of local programs that promote financial wellness and literacy. Other initiatives that Conexus supports include the Regina Food Bank, SOFIA House Employment Program, the Lung Association of Saskatchewan, Dress for Success, and more. Conexus Credit Union also sponsors 20 youth each year to attend Camp Kindling, a camp designed to develop leadership skills and promote community involvement.

This community support is driven by over 137,000 members who trust Conexus Credit Union with their financial needs. Conexus offers a large range of financial products for individuals and businesses, as well as a few products tailored for people who work in the agricultural sector. Banking can be accessed in person at a local branch, over the phone, online or via the Conexus Credit Union app.

Online banking capabilities at Conexus Credit Union

Conexus Credit Union offers online banking from the website (https://banking.online.conexus.ca/), where members can log in using their member card debit number and password, and via the Conexus mobile app. 

The Conexus mobile app is available for iPhone, iPad, iPod Touch, and Android devices. Through the mobile app, members can complete the following financial tasks:

• Check account balances.
• Transfer money between accounts.
• Manage scheduled payments.
• Send and accept Interac e-transfers .
• Find the nearest branch or ATM .
• Deposit a cheque .

Is my money safe at Conexus Credit Union?

Money in your Conexus Credit Union account is 100% guaranteed by the Credit Union Deposit Guarantee Corporation (CUDGC), which guarantees the full repayment of deposits held at participating Saskatchewan credit unions. There is no maximum amount of coverage for chequing and savings accounts , term deposits and other deposits, but stocks and mutual funds are not covered.

When it comes to online banking, Conexus Credit Union has several high-security measures in place to protect your personal information and finances. This includes 256-bit encryption, robust firewalls, automatic session time-outs, and continual monitoring. As always, it is also up to you to keep your personal and online banking information secure. 

Conexus credit cardholders can sign up for free real-time text alerts to help prevent fraudulent transactions. While fraud specialists monitor your account at all times, this extra security feature can better protect your personal financial information. Conexus Credit Union credit cards are all from Mastercard, so they also offer purchase protection.

Conexus Credit Union account types

Conexus Credit Union offers a range of savings accounts , chequing accounts , credit cards and other financial products. Options may vary depending on whether you are looking for individual or business products. Specialized account options are also available for people who work in agriculture.

Conexus Credit Union chequing accounts

• Personal No-Fee Chequing Account: This account charges no monthly or recurring fees and has no minimum balance requirement. It includes unlimited deposits, withdrawals, transfers, incoming Interac e-transfers and bill payments, as well as 30 free outgoing Interac e-transfers. Additional e-transfers cost $1.50 each. This account does not earn any interest. 
• Personal U.S. Chequing Account: A U.S. dollar account with no monthly fee, though transfers and pre-authorized debit transactions come with fees of $0.60 to $1. This account earns interest at a tiered rate (0.10%-0.20%) based on your balance. 
• Business Basic Chequing: A bare-bones business chequing account that costs $5 per month plus pay-as-you-go fees for transactions. The account includes monthly statements and business cheques are available for a fee. A line of credit is available for approved members. The basic account can also be combined with a Business 30, 60,120, or 240 package for more transactions. 
• Business 30: Up to 30 transactions per month for $25. Account holders can receive either paper or electronic monthly statements and have free access to online banking. A line of credit is also available to account holders.  
• Business 60: Up to 60 transactions per month for $45. Otherwise, the features are the same as Business 30.
• Business 120: Up to 120 transactions per month for $80, plus all the same features as Business 30.  
• Business 240: Up to 240 transactions per month for $135, plus all the same features as Business 30.  
• Business U.S. Chequing: Manage your business’s U.S. dollar income and expenses without having to convert funds. This account earns interest following a tiered structure. 
• Agriculture Chequing: Although farming is not the same as a store, manufacturing unit or business, it’s still treated as a business and offered the same variety as business accounts. The basic account can be integrated with a Business 30, 60,120, or 240 plans based on the usage and transactions needed.

Conexus Credit Union savings accounts

• Personal Savings Account: This account includes two free transactions per month and additional transactions cost $5 each. Tiered interest is earned at rates from 1.10% to 1.70%, depending on your account balance. Statements are provided electronically.
• Business Savings Account: This account offers tiered interest from 1.10% to 1.70%, based on your account balance. Account holders have free access to online banking and can choose to receive paper statements or have them issued electronically. 
• AgriIvest Account: This account is specifically for members who work in agriculture and participate in the Government of Canada’s AgriInvest program. It offers an interest rate of 1.70%. Account holders have free access to online banking and can choose to receive paper statements or have them issued electronically.
• Agriculture Savings Account: Also designed specifically for members who work in agriculture, this account offers tiered interest from 1.10% to 1.70% depending on your account balance. Account holders have free access to online banking and can choose to receive paper statements or have them issued electronically.

Conexus Credit Union credit card accounts

Conexus offers six different Mastercard credit card options, including a travel rewards card , a U.S. dollar card and a student credit card .

• Conexus Cash Back Mastercard.
• Conexus Centra Gold Mastercard.
• Conexus Travel Rewards Gold Mastercard.
• Conexus U.S. Dollar Mastercard.
• Conexus World Mastercard.
• Conexus Student Mastercard.

Conexus Credit Union investing accounts

• Tax-free savings accounts (TFSAs).
• Registered retirement savings plans (RRSPs).
• Registered education savings plans (RESPs).
• Registered retirement income fund (RRIF) .
• Registered disability savings plan (RDSP) .
• Term deposits .
• U.S. dollar term deposits.
• Market-linked guaranteed investments .

Other Conexus Credit Union services

In addition to the financial products listed above, Conexus Credit Union offers several other services for both personal and business financial needs.

Personal services include:

• Mortgages .
• QuickLine line of credit.
• RRSP QuickLine line of credit.
• Lines of credit .
• Personal loan .
• Home Plus Plan ( home equity line of credit, or HELOC ).
• STUDENTCHOICE education loan.
• RRSP loan .
• Dealer financing car loan .

Business and agricultural services include:

• Term loans.
• Canadian Small Business Financing Loans.
• Canadian Agriculture Loans Act (CALA).
• Line of credit.
• Letter of credit.
• Blanket QuickLoan.
• Construction mortgages.
• Business owner-occupied mortgages.
• Investment mortgages.

Conexus Credit Union fees

Bank fees can vary based on the accounts you have and how you use them. Here are some of the common fees you may encounter using Conexus Credit Union’s financial products and services:

• Non-sufficient funds : $45
• One-year inactivity fee: $25
• Overdraft items: $5 + 21% interest/year (rate may vary)
• Transfer out fee for RRSP/RESP/RRIF/TFSA: $100
• Closing membership within 180 days of opening accounts: $30

Who is Conexus Credit Union best for?

Saskatchewan residents who prefer to bank with a co-operative institution and support the local community.

As one of the largest credit unions in Saskatchewan, Conexus Credit Union offers a variety of financial options for both individuals and businesses, as well as specific solutions for those working in the agricultural sector. Conexus also shows remarkable community involvement by supporting local initiatives and partnering with nonprofits.

Pros and Cons of Conexus Credit Union

There’s plenty to like about Conexus Credit Union, but no  bank or credit union  is without its drawbacks. Here’s what to consider before you open an account.

• Variety of financial offerings geared towards personal, business and agricultural needs.
• Owned and run by the members.
• Community support and sponsorships.
• Savings accounts offer lower interest rates compared to other credit unions.
• Most branches are located in south Saskatchewan.
• Only offers Mastercard credit cards.

How Conexus Credit Union compares to other credit unions

» MORE:  Check out our  Banking reviews  of other Big Banks, credit unions and online-only banks.

Frequently asked questions about Conexus Credit Union

Yes. The Conexus Credit Union Mastercard includes no-fee, student, travel, and cash back credit card options for personal users. Business Mastercards offer low-interest, no-fee and rewards options.

Yes, Conexus Credit Union has five branch locations in Regina.

About the Author

Hannah Logan is a freelance writer and blogger who specializes in personal finance and travel. You can follow her personal travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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The Best Credit Union Credit Cards in Canada

By Heidi Unrau | Published on 22 Aug 2023

In Canada, the Big Six banks dominate the credit card landscape. But there’s an alternative that often goes overlooked: credit union credit cards. While less popular, credit cards issued by credit unions can offer unique benefits to meet your financial needs, and that of your local community as well. Here’s a comprehensive guide to the best credit union credit cards in Canada.

Why Choose a Credit Union Credit Card Over a Big Bank?

Credit unions are member-owned financial cooperatives, which means they operate to increase value for their members rather than external shareholders. Every client at a credit union is a shareholder with a say in how the organization is run. That means they own a part of it and vote on important issues.

Unlike a bank, a credit union’s business model takes a socialist approach because it is co-owned by its members (the people) and a percentage of profits are reinvested back into the local community. Compared to a bank’s board of directors who are paid and act as shareholders, a credit union’s board of directors are usually members who volunteer and are voted into the position. 

The key disadvantage of a credit union is that it is not open to everyone like a bank. A Credit union’s branch network does not sprawl coast to coast, so they can only accept members who live in the province in which the credit union operates. That’s because credit unions are regulated at the provincial level, unlike the Big Banks that are federally regulated. 

The upside is that credit unions tend to have a more grassroots community-oriented focus, often providing products and services tailored to the unique needs of their members. So, if you’re looking for personalized service, lower fees, and community involvement at the local level, a credit union credit card might be the perfect fit for you.

Let’s dive into some of the best credit union credit cards in Canada by province, moving from west to east starting with British Columbia.

British Columbia

In British Columbia, the awe-inspiring natural beauty of the Pacific coast and towering mountains fosters a community of people who are passionate about outdoor adventure and environmental stewardship. This vibrant province is home to a diverse population that thrives on creativity, innovation, and multiculturalism. By choosing a credit union in BC , you are supporting a financial institution that shares your love for the natural world and understands the importance of community involvement and environmental sustainability. Here are the best credit union credit cards in BC:

Vancity enviro Visa classic card

Annual fee: $0 Interest rate: 19.50% Rewards: up to 1 point/$1

Discover a Vancity credit union credit card that aligns with your values – the enviro Visa Classic card . With no annual fee, this card lets you earn 1 point for every $2 spent on all purchases, and double the points when you book travel through Vancity Rewards.

Make a difference with every purchase, as 5% of profits from all enviro Visa cards support the Vancity enviroFund program annually, contributing to positive change in your community.

With the enviro Visa Classic card, you’ll benefit from up to $200,000 in common carrier travel accident insurance for you, your spouse, and your dependent children when you pay at least 75% of the fare with your card. Whether by plane, train, or other common carrier, you’re covered for specified losses during your travels.

Shop with confidence, as this card provides purchase security insurance, protecting your eligible purchases from theft or damage for 90 days from the purchase date. Extend the original manufacturer’s warranty up to one additional year on eligible items with the extended warranty insurance.

Vancity enviro Visa Gold card

Annual fee: $99 Interest rate : 19.50% Rewards: up to 2 points/$1

Upgrade your Vancity Rewards experience with the enviro Visa Gold card . This personal credit union credit card lets you earn more reward points while offering extra insurance coverage to enhance your peace of mind while travelling.

For every $1 you spend on all purchases, you’ll earn 1 point. Double your points when booking travel through Vancity Rewards – an excellent option for frequent travellers. Kickstart your rewards with 2,500 bonus points on your first purchase, equivalent to $25 in rewards value. Celebrate your card’s anniversary with an additional 3,500 bonus points every year, equivalent to $35 in rewards value.

You can feel good about using your enviro Visa Gold card, as 5% of profits from all enviro Visa cards go towards supporting the Vancity enviroFund program annually, making a positive impact in your community.

Enjoy the reassurance of the price protection service. If you find a lower written advertised price for an eligible product within 60 days of charging the full cost to your enviro Gold Visa card, you can be reimbursed the difference.

Additional credit card benefits include:

• Auto rental collision/loss damage insurance
• Common carrier travel accident insurance
• Delayed and lost baggage insurance
• Purchase security insurance
• Extended warranty insurance

Vancity enviro Visa Infinite card

Annual fee: $120 Interest rate : 19.50% Rewards: up to 20 points/$1

The enviro Visa Infinite card is designed for those who want to squeeze every bit of juice from their credit union credit card. It not only lets you earn more reward points on your purchases but also offers enhanced insurance coverage and exclusive premium benefits.

Feel good about your spending knowing that 5% of the profits from this card support the Vancity enviroFund program every year. Here’s how you can earn points:

• 10 points for every $1 spent at select local businesses
• 5 points for every $1 spent on public transit and ferries
• 2.5 points for every $1 spent on groceries
• 1.25 points for every $1 spent on all other purchases

When you book your travel through Vancity Rewards, you’ll earn twice the points, making it even easier to redeem rewards. Plus, enjoy these premium benefits with your enviro Visa Infinite card:

• Get access to airport lounges for a more comfortable travel experience
• Upgrade your stay with hotel perks and privileges
• Join exclusive dining and wine events
• Access special sports and entertainment offers
• Enjoy elevated platinum status at over 60 Sandman hotels
• Get assistance with the 24/7 concierge service, available to help with your every need

Additional card benefits include: 

• Flight delay insurance
• Emergency travel assistance services
• Price protection service
• Mobile device insurance

Alberta is known for its rich natural resources and the resilience of its people. The sense of community in this province is built upon a history of hard work, bootstrapping, and a strong commitment to building a better future. Albertans are fiercely independent, yet deeply connected to their communities. By choosing a credit union in Alberta, you are joining a financial institution that shares your values of independence and community and is dedicated to helping you achieve your financial goals. Here are the best credit union credit cards in AB: 

Servus Credit Union Mastercard Gold

Annual fee: $75 Interest rate: 19.99% Rewards: 1 points/$1

The Servus Gold Mastercard gives you a high credit limit with the additional security of travel protection. The Servus Circle Reward Points program gives you 1 point for every $1 spent on eligible purchases, which is 1% back on all your eligible purchases. There is no limit on how many points you can earn and they never expire.

Redeeming your points is a breeze. You can put them toward a Circle Rewards GIC, use them to get cash back on your credit card balance, trade them in for merchandise, and so much more. Plus, Each year, you’ll receive 25% of your annual fee back in Profit Share Rewards Cash, a little extra something to make your day even brighter.

Enjoy these complimentary benefits: 

• Purchase Assurance
• Extended Warranty
• Travel Emergency Medical Insurance
• Trip Cancellation Insurance
• Trip Interruption Insurance
• Baggage Delay Insurance
• Common Carrier Accidental Death and Dismemberment Insurance
• Accidental Death Insurance
• Car Rental Personal Effects Insurance
• Car Rental Collision Damage Waiver Insurance
• Car Rental Accidental Death and Dismemberment Insurance

Servus Credit Union World Elite Mastercard

Annual fee: $150 Interest rate: 19.99% Rewards: 2 points/$1

With the World Elite Mastercard , every eligible purchase earns you a generous 2% back in Servus Circle Rewards points, which is 2 points for every dollar spent. And what’s even better, those points never expire and there’s no limit to the rewards you can earn.

You’ve got options when it comes to redeeming your points. Put them to work in a Circle Rewards GIC, use them for cash back on your credit card balance, or trade them in for merchandise. The choice is yours!

Every year, you’ll receive 25% of your annual fee back in Profit Share Rewards Cash. As a cardholder, you also get access to exclusive perks like access to airport lounges with DragonPass , Mastercard Travel Rewards, Priceless.com, and Boingo Wi-Fi for Mastercard Cardholders . Plus, you can enjoy on-demand and subscription services including Ritual.

And if you ever need assistance, their Concierge service is there to help. Enjoy stress-free travel with these additional card benefits:

• Identity Theft Assistance Service
• Purchase Assurance and Extended Warranty
• Travel Assistance Services

Servus Credit Union No Fee Mastercard

Annual fee: $0 Interest rate: 19.99% Rewards: 1 point/$2

With the No Fee Mastercard , you can still enjoy great rewards without the burden of an annual fee. earn Servus Circle Rewards on all your eligible purchases – at a rate of 1 point for every $2 spent. Best of all, your points will never expire, so you can save them up for something truly special. There’s no cap on the Circle Rewards you can earn, giving you unlimited potential to reap the benefits of your spending. 

Enjoy peace of mind with Baggage Delay Insurance, ensuring you’re not left out of pocket if your luggage is late. And, should the unexpected happen, you’ll be protected with Common Carrier Accidental Death and Dismemberment Insurance.

Saskatchewan

Saskatchewan is known for its vast prairies, agricultural heritage, and a strong sense of togetherness that ties people together. The province is home to tight-knit communities that value hard work, helping hands, and their connection to the land. By choosing a credit union in Saskatchewan , you are joining a financial institution that shares your values of hard work, community spirit and is committed to helping you achieve your financial goals. Here are the best credit union credit cards in SK:

Conexus Credit Union Cash Back Mastercard

Annual fee: $0 Interest rate: 19.90% Rewards: up to 2 points/$1

The Conexus Cash Back Mastercard is an ideal choice for those who frequently use their credit card and are looking to enjoy multiple benefits from their spending. With this card, you’ll earn 1 point for every $1 spent on all purchases and 2 points for every $1 spent at gas stations.

When it comes to redeeming your points, you have the flexibility to choose what works best for you:

Cash back credit: Deposit your cash back credit into your chequing or savings account, use it to pay off your credit card balance, or save it for future needs.

Rewards from their catalogue: Choose from a wide range of merchandise, gift cards, travel options, event tickets, and exciting adventures.

Enjoy added protection with Purchase Protection, covering eligible items from theft or damage within the first 90 days of purchase. Extend the manufacturer’s warranty by up to an additional 12 months with our Extended Warranty coverage.

For peace of mind, the Conexus Cash Back Mastercard also includes Mobile Device Insurance, offering up to $1,000 (subject to depreciation) for the replacement or repair of your cell phone or tablet in case of loss, theft, accidental damage, or hardware failure.

Conexus Credit Union Centra Gold Mastercard

Annual fee: $50 Interest rate: 9.90% Rewards: 1 point/$1

The Centra Gold Mastercard offers the perfect balance between valuable rewards and a low-interest rate of just 9.90%. With this credit union credit card, you can enjoy the privileges you want while saving on interest costs. Plus, you’ll earn 1 Conexus Reward point for every $1 you spend, which can be redeemed for a wide range of rewards.

Deposit your cash back credit into your chequing or savings account to use however you want. Or use them to buy merchandise, gift cards, travel options, event tickets, and exciting adventures from their catalogue. 

Additional card benefits include:

• Common Carrier Accident Protection
• Auto Rental Collision/Loss Insurance
• Purchase Protection
• Extended Warranty 

Conexus Credit Union Travel Rewards Gold Mastercard

Annual fee: $99 Interest rate: 19.90% Rewards: up to 2 points/$1

The Conexus Travel Rewards Gold Mastercard is your ultimate travel companion, designed to offer both rewards and protection wherever you go. You’ll effortlessly earn 1 Conexus Reward point for every $1 spent on your card, and you’ll even earn double the points when you make purchases in foreign currencies – globetrotters rejoice!  

Redeeming your points is just as easy and flexible. Opt for cash back directly on your Travel Rewards Gold Mastercard, or simply deposit the credit into your Conexus chequing or savings account. But it’s not just about the rewards; it’s also about travelling with peace of mind. 

This card offers a wide range of travel-related insurance coverages, including Common Carrier Accident Protection and Intergenerational Insurance Coverage, which extends to grandchildren when they’re travelling with grandparents. Plus, you’ll have access to Emergency Health Care Coverage, Trip Cancellation & Trip Interruption Insurance, Lost or Delayed Baggage Coverage, and Auto Rental Collision/Loss Insurance. And, should you need any help while you’re on the go, 24/7 travel assistance is at your service. 

Additional card perks include: 

• Purchase Protection 
• Extended Warranty Protection

Manitoba’s community spirit is rooted in its rich history, diverse cultures, and the resilience of its people. The province is known for its friendly and welcoming atmosphere, where neighbours help each other out and communities come together in times of need. By choosing a credit union in Manitoba, you are supporting a financial institution that understands the importance of community, celebrates diversity, and is dedicated to making a positive impact on the lives of its members. Here are the best credit union credit cards in MB:

SCU Cash Back Mastercard

Annual fee: $0 Interest rate: 20.99% Rewards: up to 2 points/$1

The Cash Back Mastercard from Steinbach Credit Union (SCU) rewards you for the things you love. With this card, you’ll earn 2 points on every dollar you spend at the gas pump – perfect for those who are always on the go. And when it’s time to unwind, you’ll earn 1 point per dollar on all your entertainment purchases, and 0.5 points per dollar on everything else. 

Looking to consolidate your debt? Enjoy peace of mind with a balance transfer at a low rate of just 3.9% and no transfer fees. Plus, you can shop with confidence thanks to Purchase Protection, Extended Warranty, and Mobile Device Insurance so you can stay connected without worry.

The World Mastercard rewards you with premium privileges. Earn points effortlessly with every purchase you make. You’ll get a whopping 3 points for every dollar spent on groceries – perfect for those who love to cook up a storm. And for those who prefer to dine out or enjoy some entertainment, you’ll earn 2 points per dollar. For all other purchases, you’ll still be rewarded with 1 point per dollar.

Rewards can be redeemed merchandise, gift cards , or a credit on your statement. But something unique about this card is the ability to redeem points for a hotel or private vacation rental, or donate them to charity!

Stay connected wherever you go with Boingo Wi-Fi, available at over 1 million hotspots around the world. And for those cherished moments with your grandchildren, this card has you covered. When they’re travelling with you, they’ll enjoy the same emergency healthcare coverage that you do.

• Auto Rental Collision/Loss Damage Insurance
• Emergency Health Care Coverage
• Trip Cancellation & Interruption Insurance
• Lost or Delayed Baggage
• 24/7 Travel Assistance

Cambrian Credit Union Cash Back Mastercard

The Cash Back Mastercard from Cambrian Credit Union fuels your everyday life with rewards. Every time you fill up at the pump, you’ll earn a generous 2 points for every dollar you spend on gas purchases. And when it’s time for some fun, you’ll score 1 point per dollar spent on entertainment and 0.5 points per dollar on everything else.

Need to transfer a balance? Enjoy a no-fee balance transfer at an attractive rate of just 3.9%, giving the ability to pay off an existing credit balance much faster. 

Plus, your purchases are covered with Purchase Protection and an Extended Warranty. And for those who live life on the go, enjoy the added security of Mobile Device Insurance.

Cambrian Credit Union Centra Gold Mastercard

Annual fee: $50 Interest rate: 20.99% Rewards: 1 point/$1

Meet the Centra Gold Mastercard , the rewards credit card that offers you all the benefits without the hefty annual fees or high interest rates. With this card, every dollar you spend earns you a point.

Redeem your points for gift cards, merchandise, or even a credit on your credit card statement . If you’re feeling adventurous, use your points for private vacation rentals, hotel accommodations, flights, and unforgettable travel experiences. And for those looking to make a difference, you can also redeem your points for charity donations.

With Mobile Device Insurance, you can rest assured that your devices are protected. Plus, Purchase Protection and an Extended Warranty allow you to shop with confidence.

Cambrian Credit Union Cash Back World Elite Mastercard

Annual fee: $120 Interest rate: 20.99% Rewards: up to 4 points/$1

Introducing the Cash Back World Elite Mastercard , the new Cambrian Credit Union card that offers unbeatable rewards on your everyday spending. You’ll earn an incredible 4 points for every dollar you spend on groceries and transit to a maximum of $20,000 spent per year. For select recurring bills, digital streaming, and dining, you’ll earn a generous 2 points for every dollar. And for everything else, you’ll still earn a solid point for every dollar you spend.

Points can be redeemed as cash rewards deposited directly into your bank account or apply them as a statement credit. You can also redeem points for a wide assortment of merchandise and gift cards. If you’re looking to get away, redeem your points for private vacation rentals, hotel accommodations, flights, and unforgettable travel experiences. You can also make a difference by redeeming your points for charity donations.

Additional benefits include: 

• Emergency Health Care Insurance 
• Lost/Stolen Baggage Coverage
• Protection For Grandchildren Travelling With You
• Extended Warranty Insurance
• Mobile Device Insurance

Ontario is known for its diverse culture and the entrepreneurial spirit of its people. The province is home to some of Canada’s most vibrant cities, where innovation and creativity thrive. Residents value ambition and a commitment to making their communities better places to live. By choosing a credit union in Ontario , you are joining a financial institution that shares your drive for success, understands your ambition, and is committed to helping you achieve your dreams. Here are the best credit union credit cards on ON:

Meridian Visa Cash Back Card

Annual fee: $0 Interest rate: 19.50% Rewards: up to 1% cash back

The Meridian Visa Cash Back Card allows you to get more value out of your everyday spending with double rewards points on the essentials. Earn 2 rewards points for every $2 spent on gas, grocery, pharmacy store purchases, and utility bill payments. For all other eligible purchases, you’ll earn 1 reward point for every $2 spent.

Redeem your rewards your way. Choose from a variety of options, including gift cards, merchandise, and travel. You can even apply your rewards as an account credit.

Shop with confidence with the Price Protection Service. If a new eligible item you purchased with your card is advertised at a lower price in Canada within 60 days of purchase, you’ll be reimbursed the difference, up to $100 per item and $500 per account per year.

• Common Carrier Travel Accident Insurance
• Purchase Protection Insurance

Meridian Visa Platinum Cash Back Card 

Annual fee: $49 Interest rate: 19.50% Rewards: up to 2% cash back

The Meridian Visa Platinum Cash Back Card offers even more rewards on your everyday spending with a low annual fee. Earn an impressive 2 reward points for every $1 you spend on gas, groceries, pharmacy store purchases, and utility bill payments. For all your other eligible purchases, you’ll still earn a generous 1 rewards point for every $1 spent.

Redeeming your rewards has never been easier. Choose from a wide array of options, including gift cards, merchandise, travel, or simply redeem your rewards for cash applied a credit on your account.

Protect your budget with Price Protection Service. If you find a new eligible item you purchased with your card advertised at a lower price in Canada within 60 days of purchase, you’ll be reimbursed the difference, up to $100 per item and $500 per account per year.

Other benefits include: 

• Delayed Baggage and Lost/Damaged Baggage Insurance
• Travel Assistance Service

Meridian Visa Infinite Cash Back Card

Annual fee: $99 Interest rate: 19.50% Rewards: up to 4% cash back

Maximize your cash back rewards with the Meridian Visa Infinite Cash Back Card . For every $1 you spend on gas and groceries, you’ll be rewarded with a whopping 4 reward points, which is equivalent to 4% cash back! Spend at the pharmacy or on utility bills, and you’ll still earn an impressive 2 reward points for every $1 spent. And for all your other eligible purchases, you’ll earn 1 reward point for every $1 spent.

Redeeming your cash back rewards is simple and flexible. Choose from a variety of options, including gift cards, merchandise, travel, or take your rewards as cash which will be applied to your account as a statement credit.

Stay worry-free with 24/7 Travel Assistance, offering you help anywhere in the world at any time. And with the Price Protection Service, you can shop with confidence. If an eligible item you purchased with your card is advertised at a lower price in Canada within 60 days of purchase, you’ll be reimbursed the difference, up to $100 per item and $500 per account per year.

• Trip Cancellation & Trip Interruption/Delay Insurance

Quebec cherishes its unique culture and language. The people of this province are known for their joie de vivre, rich artistic traditions, and their commitment to preserving their cultural heritage. They’re also fiercely proud of their history and their distinct identity within Canada. By choosing a credit union in Quebec, you are supporting a financial institution that values cultural preservation, celebrates artistic expression, and is dedicated to serving the unique needs of its members. Here are the best credit union credit cards in QC:

Desjardins Cash Back Mastercard

Annual fee: $0 Interest rate: 19.90% Rewards: up to 2% cash back

With Desjardins Cash Back Mastercard , you’ll earn a fantastic 2% back on all your restaurant and entertainment purchases, as well as alternative transportation and pre-authorized payments. For all your other purchases, you’ll still earn a respectable 0.5% back.

Plan your next getaway with peace of mind, knowing you and your family are covered with free travel insurance for trips up to 3 days. This includes emergency healthcare coverage, trip cancellation coverage, and baggage coverage. Plus, you’ll have access to 24/7 travel assistance, anywhere in the world.

And for road-trip enthusiasts, enjoy up to 15% off and a host of other benefits when you use your Desjardins credit card to rent a car at Hertz, Thrifty, and Dollar.

Additional benefits include:

Desjardins Cash Back World Elite Mastercard

Annual fee: $100 Interest rate: 19.90% Rewards: up to 4% cash back

From groceries to dining out, entertainment, and alternative transportation, the Cash Back World Elite Mastercard gives you cash back on everything you buy. Earn an impressive 4% back on grocery purchases, and a remarkable 3% back on restaurant, entertainment, and alternative transportation expenses. For all other purchases, you still earn a solid 1% back.

You and your family can travel with peace of mind, knowing you’re covered with free travel insurance for trips up to 3 days. This includes emergency healthcare, trip cancellation, and baggage coverage, plus 24/7 travel assistance from anywhere in the world.

Enjoy stress-free travel with complimentary access to over 1,300 airport lounges in more than 140 countries, thanks to Mastercard Travel Pass. Simply download the app and show your membership. And stay connected wherever you go with free access to over 1 million Boingo Wi-Fi hotspots worldwide. 

• Up to 25% off car rentals at Hertz, Thrifty, and Dollar
• Auto rental collision and loss damage insurance

Desjardins Odyssey World Elite Mastercard

Annual fee: $130 Interest rate: 19.90% Rewards: up to 3% back in BONUSDOLLARS

The Odyssey World Elite Mastercard gives you 3% back in BONUSDOLLARS on groceries, 2% back on restaurants, entertainment, and alternative transportation, and 1.5% back on all other purchases. Every BONUSDOLLAR you earn equals $1 you can redeem, making your rewards tangible and effortless to use.

Enjoy exclusive access to the Desjardins Odyssey Lounge at Montréal-Trudeau Airport, a peaceful haven where you can unwind before your flight. With comprehensive travel insurance covering you and your family for up to 60 consecutive days, you can travel with confidence knowing you’re protected. This coverage even extends to your grandchildren when they’re travelling with you.

From emergency healthcare to trip cancellation, baggage coverage, and 24/7 worldwide travel assistance, you’re always covered for the unexpected. Then enhance your travel even further with complimentary access to over 1,300 airport lounges in more than 140 countries through Mastercard Travel Pass. Simply download the app and present your membership.

Stay connected on the go with free access to over 1 million Boingo Wi-Fi hotspots worldwide. Register on the Mastercard website to enjoy uninterrupted connectivity wherever your journey takes you.

• Up to 25% off car rentals at Hertz, Thrifty, Dollar

New Brunswick

New Brunswick is beloved for its coastal beauty and the warmth and hospitality of its people. The province is home to close-knit communities that cherish their maritime heritage and their connection to the sea. New Brunswickers are known for their welcoming spirit, strong sense of community, and resilience in the face of adversity. By choosing a credit union in New Brunswick, you are joining a financial institution that shares your love for the sea, values community ties, and is dedicated to helping you navigate life’s challenges. Here are the best credit union credit cards in NB: 

UNI Cash Back Mastercard

The CASH BACK Mastercard from UNI Financial offers you the opportunity to earn cash rewards on your purchases without the burden of an annual fee. With this credit union card, you can enjoy up to 2% cash back on all your purchases. As a cardholder, you will also receive three days of complimentary travel insurance, adding an extra layer of protection to your trips. If you have a spouse or another family member who would benefit from the card, you can get an additional card at no extra charge. 

For those who love to travel, the card offers a bonus feature: you can get up to 15% off at Hertz locations and up to 10% off at Dollar and Thrifty locations. Plus, your essential devices are protected with Mobile Device insurance. This card is an excellent choice for individuals seeking cash rewards, insurance benefits, and travel discounts without the hassle of an annual fee.

UNI Odyssey Gold Visa

Annual fee: $110 Interest rate: 19.90% Rewards: up to 2% back in BONUSDOLLARS

The Odyssey Gold Visa card offers a range of comprehensive benefits and earns BONUS DOLLARS on almost all your essential spending. Enjoy getting 2% on restaurant, entertainment, and transportation purchases and preauthorized bill payments. Groceries and all other card purchases earn 1%. One BONUSDOLLAR is worth $1.

BONUSDOLLARS can be redeemed for travel rewards such as flights, car rentals, hotels, cruises, and railway tickets. You can also use them for alternative transportation like local buses, taxis, limousines, and charging stations for electric vehicles. They can be redeemed at restaurants, both sit-down and fast food. For entertainment, you can use them for things like theatre tickets, concerts, attractions, movie theatres, amusement parks, and sporting events. You can also redeem them for donations, gift cards, and Desjardins financial products and services. This credit union credit card also includes travel insurance with coverage up to $5,000,000. The card also provides a Travel Assistance Service that is available for free, 24 hours a day, 7 days a week, ensuring you have support whenever you need it while travelling. 

• Extended Warranty Coverage 
• Up to 25% discount on car rentals at Hertz, Dollar, Thrifty

Nova Scotia

Nova Scotia is a province that celebrates its maritime heritage and the strong bonds of its communities. The people of Nova Scotia are known for their warmth, hospitality, and deep connection to the sea. Nova Scotians take pride in their cultural traditions and their ability to come together in times of need. By choosing a credit union in Nova Scotia, you are supporting a financial institution that understands the importance of community, celebrates maritime culture, and is committed to helping you achieve your financial goals. Here are the best credit union credit cards in NS: 

CUA Cash Back Mastercard

Annual fee: $0 Interest rate: 20.99% Rewards: up to 2% cash back

This Credit Union Atlantic (CUA) Cash Back Mastercard allows you to earn cash rewards for everyday purchases and enjoy peace of mind with a no-fee 3.9% balance transfer rate. You’ll earn 2 points for every $1 spent on gas purchases, 1 point for every $1 spent on entertainment purchases, and 0.5 points for every $1 spent on all other purchases. 

Points can be redeemed for a wide range of rewards. You can choose from over 60,000 top-selling merchandise items or get gift cards from more than 60 top Canadian retailers. If you prefer cash rewards, you can opt for a direct deposit into your financial institution’s Chequing or Savings account or receive a statement credit. 

For those who love to travel, you can redeem your points for private vacation rentals, hotel accommodations, flights, and unique travel experiences. Additionally, you can use your points to make charity donations.

Other card perks include: 

• Extended Warranty Coverage

CUA Centra Gold Mastercard

Annual fee: $50 Interest rate: 11.99% Rewards: 1 point/$1

The Centra Gold Mastercard is a credit card designed to help you earn valuable reward points on your regular purchases without burdening you with high fees or high interest rates. Every time you use your Centra Gold Mastercard, you earn 1 point for every $1 you spend on everyday purchases. 

The reward points you accumulate can be redeemed for a wide range of options. You can choose from 60,000 top-selling merchandise items, including items directly from the Best Buy Catalogue. Alternatively, you can opt for gift cards from over 60 top Canadian retailers. If you prefer cash rewards, you can receive a statement credit. 

For those who enjoy travel, you can redeem your points for private vacation rentals, hotel accommodations, flights, and unique travel experiences. You also have the option to use your points to make charitable donations.

• Mobile Device Insurance.

Prince Edward Island (PEI)

Prince Edward Island is one of Canada’s best-kept secrets, known for its stunning coastal landscapes and its strong sense of community. The people of PEI are beloved by travellers for their friendliness, open-hearted communities, and their connection to the land and the sea. Islanders take pride in their agricultural heritage and their ability to support one another in all seasons of life. By choosing a credit union in PEI, you are joining a financial institution that values community, understands your connection to the land, and is dedicated to helping you achieve your financial goals. Here are the best credit union credit cards in PEI: 

Provincial Credit Union Cash Back Mastercard

Annual fee: $0 Interest rate: 20.99% Rewards: Up to 2% cash back

The Cash Back Mastercard from Provincial Credit Union is a credit card that offers a generous rewards program. Cardholders earn 2 points for every $1 spent on gas purchases, 1 point for every $1 spent on entertainment purchases, and 0.5 points for every $1 spent on all other purchases. This card also provides peace of mind with 3.90% balance transfer rate with no transfer fees.

The reward points that you accumulate with this card can be redeemed for a variety of options. You can choose from a selection of 60,000 top-selling merchandise items or opt for gift cards from more than 60 top Canadian retailers. If you prefer cash rewards, you can have the reward deposited directly into your financial institution’s Chequing or Savings account or receive a statement credit. 

For travel enthusiasts, you can redeem your points for private vacation rentals, hotel accommodations, flights, and unique travel experiences. Alternatively, you can use your points to make charitable donations.

Provincial Credit Union Concentra Gold Mastercard

With the Centra Gold Mastercard , you can earn 1 point for every $1 spent on everyday purchases. These points can be redeemed for a wide variety of rewards, giving you plenty of options to choose from. You can use your points to get top-selling merchandise items, with a selection of over 60,000 items available. If you prefer shopping at your favourite retailers, you can redeem your points for gift cards from more than 60 top Canadian retailers. 

If you’d rather have cash back, you can opt for cash rewards in the form of a statement credit. For those who love to travel, you can use your points to book private vacation rentals, hotel accommodations, flights, and unique travel experiences. If you want to give back, you can also use your points to make charitable donations.

• Extended Warranty Protection 

Newfoundland & Labrador

Newfoundland and Labrador is a province that celebrates its rich maritime history and the resilience of its people. The province is known for its rugged natural beauty, its close-knit communities, and the strong bonds that connect its people. Newfoundlanders and Labradorians are known for their hospitality, their sense of humor, and their ability to come together when times are tough. By choosing a credit union in Newfoundland and Labrador, you are supporting a financial institution that values community, celebrates maritime heritage, and is dedicated to helping you achieve your financial goals. Here are the best credit union credit cards in NFL: 

Atlantic Edge Credit Union Cash Back Mastercard

The Cash Back Mastercard from Atlantic Edge Credit Union (Formerly Eagle River Credit Union) racks up points on every purchase you make. Fill up your tank and earn a remarkable 2 points for every dollar spent on gas, while enjoying a solid 1 point per dollar on all your entertainment expenditures. For all other purchases, you’ll still receive a respectable 0.5 points per dollar. Plus, breathe easy with the 3.9% balance transfer rate – and the best part, there’s no transfer fee involved.

Turn your everyday spending into incredible rewards. Choose from an extensive catalog of over 60,000 hot-selling items or trade your points for gift cards from more than 60 of Canada’s leading retailers. If you’re a cash lover, the reward points can be conveniently deposited straight into your Chequing or Savings account or applied as a credit to your statement.

Travellers, get ready to set off on your next adventure by using your points for private vacation stays, luxurious hotel rooms, exciting flights, or unforgettable travel experiences. Feel like making a difference? Your points can be used to make impactful charitable donations as well.

Atlantic Edge Credit Union Concentra Gold Mastercard

With the Centra Gold Mastercard , every purchase is an opportunity to reward yourself. With every dollar you spend, you earn 1 point that can be redeemed for a spectacular array of rewards. Imagine having access to over 60,000 top-selling merchandise items, all at your fingertips, ready to be claimed with your earned points.

For the shopaholics, indulge in retail therapy with gift cards from more than 60 of Canada’s leading retailers, giving you the freedom to shop at your favourite stores. Prefer a cash infusion? Choose to receive cash rewards in the form of a statement credit, giving you the flexibility to use it as you see fit.

Travel enthusiasts, take off on your next adventure by redeeming your points for private vacation rentals, luxurious hotel stays, thrilling flights, and one-of-a-kind travel experiences. Feel the joy of giving by using your points to make impactful charitable donations.

Pros of Credit Union Credit Cards

Customer-Centric Approach: Credit unions prioritize their members, which often translates to more personalized service and customer satisfaction.

Lower Fees: Credit unions tend to have lower fees and more favourable terms than big banks.

Community Focus: Credit unions often invest in local communities and support social initiatives.

Cons of Credit Union Credit Cards

Limited Availability: Credit unions are typically regional and may not have as wide a network as big banks. 

Less Variety: Credit unions might offer fewer credit card options compared to big banks.

Fewer Perks: Big banks may provide more perks and benefits, especially for premium cards.

How to Choose the Right Credit Union Credit Card

Annual Fee: Consider whether you’re willing to pay an annual fee in exchange for additional benefits.

Interest Rate: If you carry a balance, a lower interest rate could save you money.

Rewards: Decide what type of rewards (cash back, travel miles, points) are most valuable to you.

Special Perks: Look for perks like insurance, concierge service, or exclusive offers.

Who Should Consider a Credit Union Credit Card?

Community-Minded Individuals: If you value community involvement and local investment, credit unions are a great choice.

Those Seeking Personalized Service: Credit unions tend to provide more personalized, customer-focused service.

Fee-Conscious Consumers: If you’re looking to avoid high fees and unfavourable terms, credit unions may offer better options.

Credit Union credit cards: the takeaway

While credit union credit cards may not be as well-known as those from big banks, they offer unique benefits and tailored features that could be a perfect fit for your financial needs. Consider your priorities, needs, and values when choosing a credit card , and you may find that a credit union credit card aligns well with your goals.

Heidi Unrau

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Protect yourself and your loved ones with the insurance options available to you as a Connexus member.

TruStage ®  Accidental Death & Dismemberment Insurance

What we offer.

All Connexus members are eligible for $1,000 of coverage, paid by Connexus, and provided by CMFG Life Insurance Company. Acceptance is guaranteed and there are no health questions or medical exams.

Why it’s important

AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life. You can enroll in three minutes.

or call  888.787.8243

TruStage ®  Life Insurance

As a Connexus member, you have access to TruStage ®  Life Insurance policies that help protect you and your loved ones. These plans are designed to fit your budget, because any amount of coverage can make a difference.

Life Insurance gives you peace of mind and provides income-tax free money to your family if you die.

TruStage ®  AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

TruStage ®  Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

These products are not federally insured by the NCUA.

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Conexus World Mastercard ®

The world is waiting for you

This card gives our members exclusive access to several unique benefits and offers around the world and online

Earn double the points while using your card from day to day

Collect 2 Conexus Rewards point for every $1 spent

Eligibility requirements: $60,000 annual personal income or $100,000 household income

Exclusive benefits

Benefits and rewards, wherever your travels take you

Priceless Cities® 

Priceless experiences in the cities you love around the world

Gain access to unique offers, restaurants, shopping, sporting events and more

Experiences & offers 

Enjoy preferred access to an array of valuable offers, upgrades and experiences such as reservations at sought-after restaurants, offers from upscale retailers and tickets to sold-out events

Mastercard® Airport Experiences provided by DragonPass

Access to 800+ lounges around the world - simply present your Conexus World Mastercard 1 at the door

Travel benefits

Common Carrier Accident Protection Coverage of up to $1,000,000 

Emergency Health Care Coverage, up to $5,000,000 

Trip Cancellation & Trip Interruption Insurance 

Coverage of up to $2,000 per person if the trip is cancelled prior to departure

Unlimited coverage in the event of trip interruption after departure 

Lost or delayed baggage coverage up to $1,000 per person against theft or damaged bag and up to $500 against delayed baggage 

24/7 travel assistance

Conexus Rewards

Redeem points 

As a cash back credit on your World Mastercard, or deposited as a credit into your Conexus chequing or savings account

For our extensive inventory of merchandise and gift cards, non-restrictive travel, event tickets and adventures!

Purchase protection and extended warranty

​​ Shop with confidence, knowing you’re protected

Purchase protection provides coverage for the first 90 days, in the event the eligible items are stolen or damaged

Extended warranty provides double the manufacturer’s warranty for up to an additional 12 months

Auto rental collision/loss insurance

Protection from more than just interest - when charging the full cost of your car rental to your card, you’re covered for up to 48 days if your rental car is damaged or stolen

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Your Conexus Mastercard has a wide range of built-in benefits:

Zero liability – you’re only responsible for purchases you’ve authorized on your Mastercard account

Lost/stolen card reporting

Emergency card replacement services

Emergency cash advance

3D Secure – an extra layer of protection for online shopping (registration is not required)

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Fraud specialists monitor your account 24/7. Should we notice anything unusual, we will contact you immediately to determine if there are unauthorized actions associated with your account. Sign up for text alerts to get real-time notifications directly to your mobile device.

Tips for using your Conexus Mastercard

Create and stick to a budget. Create a budget with all of your monthly expenses helping you map how much you have to spend, and how much debt you can afford to take on and repay 

Pay off your balance every month. Paying your balance in full earns the most points on your credit score -  you avoid paying interest and the reward points can be used to increase your savings

Build and maintain a healthy credit score . A large part of your credit score depends on timing, so always make payments on time - setting up automatic payments, or electronic reminders will help a lot

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1 World Mastercard cardholders are required to register their card through the designated platform at mastercardtravelpass.dragonpass.com or by downloading the Mastercard Travel Pass app. Registration must be completed prior to travel. Upon arrival at the lounge, present the lounge receptionist with either the mobile app or the QR code, as well as the DragonPass membership number indicated on the membership document obtained after registration. Membership for the Conexus World Mastercard program is complimentary. However, a nominal fee of $32USD per person per visit will be automatically charged to the Conexus World Mastercard for each visit to the lounge.

The Best Banks for Avoiding Overdraft Fees

• Reviews on the Best Banks for Avoiding Overdraft Fees

What to Look for in Overdraft Policies

Overdraft protection services, how to avoid overdraft fees.

• Why You Should Trust Us

Best Banks for Avoiding Overdrafts in 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.

When you overdraw from your checking account, banks may charge you an overdraft fee because you no longer have a positive balance. This could result in you having an even higher negative balance that you don't have the money to pay off.

If you prioritize finding a bank account that has minimal overdraft fees, you have plenty of options. Here are our top picks on the best banks for overdraft fees. Our top picks have eliminated overdraft fees, or they have free overdraft protection that lets you transfer funds from a linked savings account. 

Ally Spending Account

Axos bank rewards checking, capital one 360 checking, discover cashback debit account, alliant high-interest checking account, connexus xtraordinary checking account, citi access checking, truist one checking account.

All of our top picks, except Connexus Credit Union, have eliminated overdraft fees. All of the financial institutions on our list are protected by FDIC or NCUA insurance. Your money is safe at a federally insured financial institution. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account.

Compare the Best Banks for Avoiding Overdraft Fees

no monthly service fee

0.10% to 0.25%

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Spending buckets to manage expenses
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No initial deposit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum account balance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service charge
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connect your account with Zelle
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy-to-use mobile app
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Early direct deposit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reimburses up to $10/month in out-of-network ATM fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Online bill pay
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24/7 customer service
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No overdraft fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Overdraft protection
• con icon Two crossed lines that form an 'X'. No physical branch locations
• con icon Two crossed lines that form an 'X'. No way to deposit cash
• You can deposit checks right from your smartphone
• Manage expenses by creating spending buckets
• Ally reimburse's up to $10 per statement cycle for fees charged at other ATMs nationwide
• Transfer money with your voice through Ally Skill™ for Amazon Alexa
• Interest compounded daily, paid monthly
• FDIC insured

Earn up to a $300 welcome bonus when you use the promo code AXOS300 to apply for a Rewards Checking account and have qualifying direct deposit(s) by 6/30/24

up to 3.30%

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly maintenance fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No non-sufficient funds fees
• con icon Two crossed lines that form an 'X'. $50 opening deposit
• con icon Two crossed lines that form an 'X'. No APY if you can't meet qualifications
• con icon Two crossed lines that form an 'X'. Few mobile app reviews

Axos Bank has strong high-yield savings, checking, and money market accounts if you'd like to avoid monthly service fees. But, you can find higher interest rates at some of the best online banks.

• Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
• Zero monthly maintenance fees
• Zero overdraft or NSF fees
• Zero minimum monthly balance reqs
• Unlimited domestic ATM fee reimbursements
• Online debit card management
• Simple, 3-step process for direct deposit
• Only $50 to open an account

No minimums, no fees, no worries.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 0.10% APY on all account balances
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Range of overdraft protection options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Processes direct deposits up to 2 days early
• con icon Two crossed lines that form an 'X'. Doesn't reimburse out-of-network ATM fees
• con icon Two crossed lines that form an 'X'. Limited access to customer service by phone

Capital One is a strong bank overall. You'll earn competitive interest rates on online savings accounts and CDs.

• Over 70,000 free ATMs nationwide
• Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC

Earn cash back rewards with no fees. Start earning 1% cash back today (see website for details).

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn up to 1% cash back on up to $3,000 in purchases per month (See website for details)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Over 60,000 in-network ATMs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get paid early with direct deposit through Early Pay
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Enroll in free overdraft protection
• con icon Two crossed lines that form an 'X'. Debit card can only be used in the US, Canada, Mexico, and the Caribbean
• con icon Two crossed lines that form an 'X'. Only 1 branch location
• Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases (See website for details)
• 100% US-based customer service available 24/7
• No opening deposit or minimum account balance
• No monthly maintenance fees
• Over 60,000 in-network ATMs

No monthly service fess. NCUA Insured.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn interest
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $20/month in out-of-network ATM fee refunds
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No incoming wire transfer fee
• con icon Two crossed lines that form an 'X'. Compounds interest monthly, not daily
• con icon Two crossed lines that form an 'X'. $25 outgoing wire transfer fee

Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.

• Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
• 80,000+ free ATMs
• Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
• Interest compounded monthly
• Federally insured by the NCUA

0% to 1.75%

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Ability to earn a high APY
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Refunds up to $25/month in out-of-network ATM fees charged by providers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Multiple overdraft protection options
• con icon Two crossed lines that form an 'X'. Interest compounds monthly, not daily
• con icon Two crossed lines that form an 'X'. $4 overdraft fee
• Become a Connexus member by donating $5 to the Connexus Association
• 54,000+ free ATMs
• Subscribe to e-statements to earn APY. You also must either make 15 debit card transactions per month OR spend $400 per month with your debit card
• Earn 1.75% APY on balances up to $25,000; earn 0.25% APY on balances over $25,000

• Earn $300 cash bonus by opening an eligible checking account with qualifying direct deposit and completing required activities (offer ends 7/8/24)

$5 monthly service fee

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit
• con icon Two crossed lines that form an 'X'. No paper checks
• con icon Two crossed lines that form an 'X'. $2.50 fee for using out-of-network ATMs
• con icon Two crossed lines that form an 'X'. BBB gives Citi an F in trustworthiness
• The most basic Citi checking account
• Access to over 650 branches in the US
• No minimum opening deposit

Earn $400 for opening a new Truist One Checking account online using code TRUIST400AFL24 and completing qualifying activities (offer expires June 26, 2024)

$12 monthly services fee

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy to waive $12 monthly fee
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn additional awards on eligible Truist credit cards
• con icon Two crossed lines that form an 'X'. $50 minimum opening deposit
• con icon Two crossed lines that form an 'X'. $12 monthly service fee if not waived
• con icon Two crossed lines that form an 'X'. $3 paper statement fee
• con icon Two crossed lines that form an 'X'. $3 out-of-network ATM fee
• Earn $400 for opening a new Truist One Checking account online using code TRUIST400AFL24 and receive at least one qualifying direct deposit of $500 or more and complete at least 15 qualifying debit card purchases within 90 days of account opening (offer expires June 26, 2024)
• Over 2,000 branches and 3,000 ATMs in the Southeast
• To waive the $12 monthly service fee, do one of the following each month: Make $500 or more in direct deposits per statement cycle, maintain a combined total balance of $500 in all eligible Truist accounts before each statement cycle end date, have a personal Truist credit card or mortgage or consumer loan (excluding LightStream), link to a Small Business Checking Account, or be a student under age 25
• To waive the $3 paper statement fee, sign up for paperless online statements
• Account has a tiered system, and each tier comes with more benefits; reach the next tier when your average monthly balance hits $10k, $25k, $50k, and $100k

Best Banks For Avoiding Overdraft Fees: FAQs

Overdraft fees occur when you try to take more money out of your account than you have. The exact fee will depend on what bank you use, but banks can charge between $0 to $38 per overdraft.

Usually, you'll connect your checking account to another account, credit card, or line of credit that will be automatically charged if you overdraft your account. There can be a transfer fee involved, but it will generally be less than an overdraft fee would be.

Yes, most banks allow you to opt out of overdraft fees. In that case, if you try to make a purchase that you don't have the funds for, the transaction will just be denied.

You can get your overdraft fees refunded at several banks, such as Chase, Wells Fargo, and Fifth Third Bank , under certain circumstances, such as when you put money back into the overdrafted account within a certain amount of time. 

Banking with an institution that provides overdraft forgiveness and protection can help you avoid overdrafts. Otherwise, you'll want to monitor your spending, set up low balance alerts, and create a budget for yourself to avoid overspending.

Best Banks for Overdrafts Reviews

Ally is a strong choice if you are comfortable with an online-only banking experience. In 2021, the online bank eliminated overdraft fees on all accounts. Ally also has two free overdraft protection options: an overdraft transfer service and CoverDraft. You can use one service or both.

With the overdraft protection transfer service, you'll link your checking account to your savings account. If you overdraw from your account, Ally will transfer increments of $100 from your savings account to cover the transaction.

Meanwhile, CoverDraft is a service that provides up to $250 in temporary overdraft coverage when you have debit card purchases, automatic payments, checks, or ACH transfers from other banks that result in a negative balance on your account.

To be eligible for CoverDraft, you'll need to deposit at least $100 in your account and maintain your balance for 30 days. Once you're eligible, you'll qualify for $100 in temporary overdraft coverage. If you'd like to receive up to $250 in temporary overdraft coverage, you'll have to receive a qualifying direct deposit of at least $250 for two months in a row.

The Ally Spending Account also might also be a good option if you'd like to have tools to help manage your money. For example, Ally lets you create spending buckets to help you set money aside for particular expenses. You'll be able to label your buckets with names like "groceries" or "rent."

Ally may close your checking account if you maintain a negative balance for more than 45 days.

Ally Spending Account Review

Axos is a great choice if you're searching for a high-yield checking account that doesn't charge overdraft fees or non-sufficient funds fees. Axos also offers free overdraft protection that links your checking account to a savings account.

You'll earn interest on Axos Bank Rewards Checking balances up to $50,000 if you do the following:

• Earn 0.40% APY (Annual Percentage Yield) when you receive at least $1,500 in direct deposits in a month. You have to meet this requirement to be able to earn any additional interest.
• Earn 0.30% APY when you make 10 debit card transactions in a month (minimum $3 per transaction) or you need to sign up for Account Aggregation/Personal Finance Manager.
• Earn 1.00% APY if you keep at least a daily average of $2,500 in an Axos Managed Portfolios Invest Account monthly.
• Earn 1.00% APY if you keep at least a daily average of $2,500 in an Axos Self-Directed Trading Invest Account monthly.
• Earn 0.60% APY if you make a monthly Axos consumer loan payment with your Reward Checking account

If you accomplish all goals in a month, you earn the maximum available APY.

Account balances over $50,000 won't earn interest. If you would like to maintain a high account balance, you may prefer another high-yield checking account.

Axos Bank Review

Capital One 360 stands out because it has one of the strongest free checking accounts out there. Capital One 360 Checking has no monthly service fees and no overdraft fees. At Capital One 360, you also have two solid overdraft services: free savings transfers and no-fee overdrafts.

With free savings transfers, you'll link your checking account to a savings account. If you overdraw from your checking account, Capital One will make one transfer to cover your overdraft.

No-fee overdraft is a service where Capital One approves check payments, bill payments, or recurring debit payments even if it results in a negative balance for your account. To qualify, you'll need to receive at least $250 in direct deposits during two of the three previous months. 

If you do not select one of the overdraft services mentioned, Capital One 360 automatically declines transactions that would make your account have a negative balance.

Capital One Review

You might like Discover if you'd like to get rewards checking account that doesn't charge overdraft fees or non-sufficient funds fees. The Discover® Cashback Debit Account lets you earn 1% cash back on up to $3,000 of purchases per month (see website for details). 

The online bank also offers a free overdraft protection program that links your checking account to a savings account. Discover's Overdraft Protection program covers online bill payments, ACH transfers initiated at another bank, and checks. 

If you don't sign up for overdraft protection, any transactions that would create a negative balance in your account will be denied.

Discover Bank Review

If you prefer an online credit union over a bank, Alliant is an excellent option. Alliant ranks as one of our best credit unions .

The online credit union eliminated overdraft fees on checking accounts in 2021. Alliant also has free overdraft protection program that lets you link your checking account to a savings account to cover overdrafts.

You'll also notably earn 0.25% APY on the Alliant High-Interest Checking Account , regardless of your balance.

Opening an account with a credit union usually entails specific membership requirements. Alliant is a credit union anyone can join as long as you're in the US and you donate $5 to Foster Care to Success.

Alliant Credit Union Review

Connexus Credit Union is also featured in our best credit unions guide. Connexus Credit Union has a $4 overdraft fee, which is less than what most financial institutions generally charge for overdrafts. The online credit union also has a free overdraft protection program that lets you transfer money from your savings account to restore a negative checking account balance.

You might like the Connexus Xtraordinary Checking Account if you use your debit card frequently and/or spend at least $400 per month with your debit card. That way, you can earn a solid interest rate.

Credit unions require membership to open bank accounts. To become a member of Connexus, make a one-time $5 donation to the Connexus Association; be an employee, retiree, member, student, student graduate, or relative of a member of certain organizations; live in Minnesota, Ohio, or Wisconsin; or be a relative, spouse, or housemate of a Connexus member. 

Connexus Credit Union Review

Citi is a solid choice if you want to open a checking account at a national bank. Citi is a national bank with branches in California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey, New York, South Dakota, Virginia, Washington, DC, and Puerto Rico. You can also open online accounts if you do not live in a state that has a branch.

In 2022, Citi eliminated overdraft fees , returned item fees, and overdraft protection fees on bank accounts. It's also fairly easy to waive the monthly fees for its lowest-tier checking accounts like the Citi Access Checking (a checkless bank account) ($5 monthly service fee). 

You'll have to pay attention to monthly service fees and how to waive them because it varies depending on which accounts you get.

Citi Review

Truist Bank could be another suitable option if you favor brick-and-mortar banks instead of online-only financial institutions. Truist Banks is primarily on the East Coast, with branches in Alabama, Arkansas, Georgia, Florida, Indiana, Kentucky, New Jersey, Maryland, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Washington, DC.

In 2022, Truist launched two new checking accounts to help with avoiding overdraft fees. It also eliminated fees for returned items and overdraft protection transfers.

The Truist Confidence Account is a checkless checking account that doesn't charge overdraft fees. You can utilize overdraft protection to cover overdrafts if you have a Truist Confidence Savings Account; otherwise, any transaction that exceeds your account balance may be denied or returned.

The Truist One Checking also doesn't charge overdraft fees and has more overdraft options (although, it also has a higher monthly maintenance fee). You can link the Truist One Checking to another Truist bank account or potentially use a service called $100 Negative Balance Buffer. 

With a $100 Negative Balance Buffer, you can overdraw up to $100 from your account. To qualify for the service, you'll need to have an account open for at least 35 days, maintain a positive account balance, and receive at least one direct deposit of $100 for two months in a row. Also, bear in mind that you'll need to continue to receive monthly direct deposits of $100 or more to remain qualified for the service.

With Truist checking accounts, you'll want to be mindful of monthly service fees if you don't meet certain requirements each month. Truist Confidence Account has a $5 monthly service fee, and the Truist One Checking has a $12 monthly services fee. 

Truist Bank Review

Bank Alternatives for Avoiding Overdraft Fees 

Our top picks stood out because they had appealing features. While the accounts listed below weren't among our picks, you still might consider one of these options.

• SoFi Checking and Savings: SoFi doesn't charge overdraft fees, but it will decline your purchase if you overdraw by more than $50. Other online banks may have free overdraft protection plans that let you overdraw more money.
• EverBank Yield Pledge Checking : EverBank has free overdraft protection available, but our top picks for online banks may be easier to open because they have lower minimum opening deposit requirements. 
• Quontic High Interest Checking Account: Quontic doesn't charge overdraft fees, but it requires at least $100 to open an account. Our top picks for online banks let you open an account with less. 
• NBKC Everything Account: The NBKC Everything Account doesn't charge overdraft fees. It's a hybrid checking/savings account so you'll have to be comfortable with keeping all of your money in one account.
• CIT Bank eChecking Account: CIT Bank doesn't charge overdraft fees, but its checking account requires a $100 minimum opening deposit. Our picks for best online banks  may be more suitable if you're searching for an account with more lenient opening requirements. 
• Chase Secure Banking℠ : Chase Secure Banking is the only checking account at Chase that doesn't charge any overdraft fees. If you would prefer a checking account that doesn't have a monthly service fee, you'll still have to be mindful of the bank's $34 overdraft fee. Our top picks for brick-and-mortar banks have multiple checking account options that do not charge overdraft fees.
• Bank of America Advantage SafeBalance Banking® Account: The Bank of America SafeBalance Banking Account is the only checking account at Bank of America that doesn't charge any overdraft fees. However, if you would prefer one of Bank of America's other checking accounts, keep in mind there's a $10 overdraft fee. Our favorite brick-and-mortar banks have multiple checking account options that do not charge overdraft fees.
• Wells Fargo Clear Access Banking : Wells Fargo Clear Access Banking is the only checking account at Wells Fargo that doesn't charge any overdraft fees. If you would rather get another Wells Fargo checking account, there's a $35 overdraft to keep in mind. In all, Wells Fargo wasn't a top pick because other brick-and-mortar banks have multiple checking accounts that do not charge overdraft fees. 
• U.S. Bank Safe Debit account: The U.S. Bank Safe Debit Account doesn't charge overdraft fees but has a monthly service fee. Our top picks for brick-and-mortar banks also have more than one checking account that doesn't charge overdraft fees.
• TD Bank Convenience Checking Account: The TD Bank Essential Banking Account doesn't have overdraft fees but there's a $15 monthly service fee (the monthly service fee can be waived for minors or with a $100 daily balance). If you choose another TD Bank checking account, you may have to be mindful of a $35 overdraft fee. Our top picks for brick-and-mortar banks have multiple options with zero overdraft fees.
• Fifth Third Momentum® Checking: At Fifth Third Bank you'll have to be mindful of a $37 overdraft fee. You'll have to see whether any of the overdraft protection plans might be a suitable option for waiving overdraft fees. 
• Citizens Bank One Deposit Checking Account: Citizens Bank has a $35 overdraft fee. Our top picks for brick-and-mortar banks might be more appealing if you would rather find options that do not charge overdraft fees.
• PNC Bank Virtual Wallet®: PNC Bank has a $36 overdraft fee. You'll have to see whether any of the overdraft protection plans might be a suitable option for waiving overdraft fees.
• Regions Bank LifeGreen® Checking Account: At Regions Bank, you'll have to be mindful of a $36 overdraft fee. Our favorite brick-and-mortar banks have more than one checking account with zero overdraft fees. 
• Comerica Access Checking Account: Comerica charges anywhere from $26 to $38 on overdraft fees. Our favorite brick-and-mortar banks have options that do not charge these types of fees.
• Consumers Credit Union Free Rewards Checking Account: Consumers Credit Union has a $30 overdraft fee. Our top picks for credit unions have lower fees.
• Bethpage Federal Credit Union Free Checking Account: Bethpage Credit Union has a $30 overdraft fee. Our top picks for credit unions have lower fees.
• Premier Members Credit Union Smart Checking Account: Premier Members Credit Union charges a $32 overdraft fee, which is higher than our top credit union picks.
• Affinity Plus Federal Credit Union Better Than Free Checking Account: Affinity Plus Credit Union charges a $15 fee if you have a negative balance beyond $100. Our top credit union picks have lower fees.
• Chime® Checking Account: Chime doesn't charge overdraft fees, but it will decline your purchase if you overdraw by more than $200. Our top picks for online banks may have free overdraft protection plans that let you overdraw more money.
• Dora Financial Everyday Checking Account: Dora is an online banking platform with a free Bank On-certified checking account. While this checking account doesn't allow you to overdraw from your account, our top picks have overdraft protection programs that might be more appealing. Other online banks may have free overdraft protection plans that let you overdraw more money.
• Spruce Spending Account: The Spruce Spending Account only allows you to overdraw up to $20 per month if you receive at least $200 in direct deposits per month. Other online banks may have free overdraft protection plans that let you overdraw more money.

Bank Trustworthiness and BBB Ratings

The Better Business Bureau assigns companies grades, ranging from F to A+. Strong BBB scores indicate that companies respond effectively to customer complaints, advertise honestly, and are transparent about business practices. A strong BBB grade doesn't guarantee you'll have a smooth relationship with a company, though. 

Here are the BBB grades for our top picks:

Ally has an A rating because it has some unresolved customer complaints on the BBB website. 

Citi has an F rating because it has a high volume of customer complaints on the BBB website, and it has failed to respond to many customer complaints. 

Capital One, Discover, and Citi have been involved in recent public controversies. 

Capital One used to have an account called 360 Savings. In 2019, Capital One launched the new 360 Performance Savings Account, which paid a higher interest rate. Many customers thought their old savings accounts would transition into this new one, but they actually had to open a new 360 Performance Savings Account to earn the higher rate. In the lawsuit, the plaintiffs' lawyers allege that Capital One didn't inform 360 Savings customers that these were two distinct accounts, or that 360 Performance Savings paid a higher rate. However,  Capital One wants this case dismissed  because it claims people had every opportunity to learn these facts on their own. This case is still ongoing.

In 2024, Discover settled a class action lawsuit for almost $1 million . The lawsuit claimed that Discover denied Deferred Action for Childhood Arrivals, or DACA, recipients loans because of their immigration status. In the settlement, Discover agreed to rewrite its lending rules to make DACA recipients equally eligible for loans as comparable U.S. citizens.

In 2023, Citi was required to pay $25.9 million dollars by the Consumer Financial Protection Bureau. The Bureau says that Citi intentionally discriminated against Armenian American credit card applicants from 2015 to 2021. Of that $25.9 million, $1.4 million of that payment will go to affected applicants.

In addition, Citi is currently being sued for sexual harassment by a managing director at the company, Ardith Lindsey. Citi hasn't admitted to any wrongdoing, and this case is ongoing.

Low Fees and Clear Terms

First and foremost, you should try to find banks that don't charge overdraft fees at all, or banks with low overdraft fees. We've listed several banks above that don't charge overdraft fees, but still allow you to overdraft your account up to a certain amount. 

If a bank does have overdraft fees, make sure you understand when you'll be charged those fees, and how much you'll be charged for them. Look out for fine print that might indicate you'll have to pay a higher fee than you're prepared for.

Many banks allow you to set up overdraft protection services by linking another account, credit card, or line of credit to your checking account. If you end up overdrafting your account, the bank will either transfer money from the savings account or put the charge on the credit card or line of credit instead. 

There might be a transfer fee associated with this service, but it will almost definitely be less expensive than the overdraft fee you would have otherwise been charged.

If you choose to set up overdraft protection services, you'll still want to keep an eye on your spending to make sure you're not cutting into your savings or putting money on a credit card that you can't pay off.

Options for Fee Waivers and Alerts

Some banks let you refund your overdraft fees under certain circumstances, such as if you restore a positive account balance within a day or if you haven't overdrawn your checking account before. In addition, many banks let you set up low balance alerts to let you know when you're about to run out of money in your account. 

Check with the bank you're interested in to see if they offer any of these services.

Linking Accounts for Automatic Transfers

One of the most common ways to set up overdraft protection services is to link a savings account to your checking account. If you overdraft your account, the money will come out of your savings account instead.

You might prefer this over other kinds of overdraft protection , because you won't end up accidentally accruing a debt you can't repay. However, you'll want to watch out for transfer fees. Also, keep in mind that you could end up accidentally cutting into your savings with this method.

Overdraft Lines of Credit

Setting up an overdraft line of credit will let you borrow money from a line of credit to pay off any excess charges you make. This can be helpful in avoiding overdraft fees, but keep in mind that setting this up could result in you having high-interest-rate debt that you don't have the money to pay off.

Overdraft Forgiveness Programs

Several banks, such as Wells Fargo , will refund any overdraft fees under specific circumstances. Some banks refund overdraft fees if the excess charge is under a certain threshold, some banks refund fees if you put money back into your account before a certain amount of time passes, and some banks refund the first few overdraft fees you accrue.

While even the best overdraft forgiveness programs aren't as good as not charging overdraft fees at all, it can still be helpful if you do end up accidentally overdrafting your account. Check with your bank to see how to get overdraft fees refunded .

Monitoring Account Balances

Overdraft protection and management are both important parts of avoiding overdraft fees. The best way to avoid overdraft charges is to keep an eye on your account balance and avoid making purchases if you don't have enough money in your account. This includes making sure you have enough money to make automatic payments, such as rent, insurance, or utilities payments. 

Setting Up Account Alerts

Many banks offer financial tools to prevent overdrafts, such as account alerts. Account alerts will let you know if your account balance goes under a certain amount of money. Check with your bank to see if it offers this feature.

Opting Into the Right Overdraft Protection Services

If you opt into overdraft protection services like the ones listed above, you can avoid paying overdraft fees. Just make sure you're not signing up for services that will end up costing you more money in the long run, such as with overdraft protection through lines of credit.

Why You Should Trust Us: Our Expert Panel for the Best Banks for Avoiding Overdraft Fees

We consulted banking and financial planning experts to inform these picks and provide their advice on how to find the right bank for you.

Here's what they had to say about choosing a bank. (Some text may be lightly edited for clarity.)

How can someone determine whether a banking institution is the right fit for them?

Mykail James, MBA, certified financial education instructor,  BoujieBudgets.com :

"The No. 1 thing about a checking account is you should know what provider the debit card is coming from. And a lot of people don't think about that, because there are places that don't accept MasterCard or don't accept an Amex."

Sophia Acevedo, certified educator in personal finance, banking editor, Business Insider :

" Think about which bank accounts you'd like to open and which features you're looking for. Let's say you sometimes overdraw from your bank account. When you're deciding on a bank, you'll want to see if the bank offers a checking account that doesn't charge overdraft fees. You could also see if the bank has an overdraft protection program where you can manageably waive fees by meeting certain requirements." 

How can someone decide between a bank and a credit union?

Tania Brown, certified financial planner and vice president of coaching strategy at OfColor :

"For most people, it falls into five categories: location, interest rates, services, technology, and relationships. Next, prioritize what's important and you will have your answer. For instance:

• If multiple regional and national locations are important: Banks typically have more locations than credit unions.
• If the most important thing to you is a high interest rate: Credit unions, on average, offer better interest rates than banks.
• If a lot of services (commercial banking, business banking, investment services, etc.) are valuable to you: Larger banks offers more services than most credit unions. 
• If feeling like a person, not a number, matters to you: Credit unions are known for great personalized customer service.
• If you are a tech junkie: Larger banks typically offer more tech bells and whistles for online users than credit unions."

What makes a checking account good or not good?

Roger Ma, certified financial planner with  lifelaidout®  and author of  "Work Your Money, Not Your Life" :

"I would look at the ATM branch locations and then minimum balance amounts to not incur a monthly fee … I think there's other stuff that could make life easier, whether it's free checks, online bill pay, are they in the Zelle network?"

Sophia Acevedo, certified educator in personal finance, editor, Business Insider :

"I would for a checking account that either doesn't have any monthly services fees or offers multiple ways to waive the fee. I would also look at customer support availability and mobile app ratings."

Methodology: How Did We Choose the Best Banks for Avoiding Overdraft Fees?

Business Insider's mission is to help smart people make the best decisions with their money. We understand that "best" is often subjective, so in addition to highlighting the clear benefits of a financial product or account, we outline the limitations, too. We spent hours comparing and contrasting the features and fine print of various products so you don't have to.

For our guide, we researched over two dozen financial institutions and financial service providers to find options that minimized overdraft fees.

Since numerous checking accounts at online banks didn't charge overdraft fees, we narrowed down our picks for this category by looking at minimum opening requirements and overdraft protection programs. For all of our top picks, we also considered the overall banking experience at each bank by using our rating methodology for checking accounts, which assesses criteria like customer support availability, mobile app ratings, and ethics.

See our full ratings methodology for checking, business checking, savings, and money market accounts »

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Moscow and St. Petersburg present a new tourist pass

Russia has introduced a new tourist pass called PassCity , which will be of use not only to foreign travelers who have come to Russia for a few days, but also to students from overseas and expatriates whose stay extends to a few months and more. PassCity has apps available for Android and iOS with free audio guides in English and Chinese.

PassCity has become Russia's first pass which is valid in two cities at once and covers all the major museums of Moscow and St. Petersburg. The price for a tourist pass for 3/5/7/10 days varies from $80 (1 person, 3 days - 5190 rubles ) to $230 (2 people, 10 days - 14,390 rubles ). A 90/180/360-day pass costs from $ 64 (1 person, 90 days -  3990 rubles  ) to $160  (2 people, 360 days - 9990 rubles ).  The package for several days was designed for tourists and includes an unlimited number of museum visits per day, as well as public transit. The 3/6/12-month card is meant for temporary residents of the cities and covers one museum visit a day, without access to public transit.

Apart from admission to museums, the pass gets you free coffee in the DoubleB chain of coffee shops , several trips on the airport express in Moscow, and subway rides in St. Petersburg or by taxi ordered through the Yandex.Taxi service.  

For the practical and the cautious

The Voxxter team spent more than two years developing the pass; while working on it, they established partnerships with Mastercard, Yandex.Money , Yandex.Taxi (a Russian taxi service similar to Uber ), and DoubleB , a popular chain of coffee shops in St. Petersburg and Moscow.  

PassCity is as easy to use as a regular credit card: It uses the Mastercard payment system, and the chosen package of services is activated upon purchase. You can deposit money on the card and use it to pay for other goods and services: Using an extra credit card instead of your primary card when traveling is a sensible security measure.

Cards are delivered through a system that has recently gained popularity among Internet banks. "You can order the pass online or through the app, and our courier will deliver it where and when you decide, for instance, your hotel, or the railway station where the airport express arrives. Our customers have confirmed that this is a lot more convenient than having to look for a sales office in an unknown city," explains Maksim Ivlev, Voxxter CEO.

Voxxter believes the pass could be useful for tourists who come to Russia to watch upcoming sporting events, including the 2018 FIFA World Cup.

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Is it a trick question? Is there something special about July 8 we are not aware of but should be?

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