Checking Made Simple

High dividends or cash back with YOUR Checking.

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Account Features

Cell phone with FORUM accounts showing
  • No monthly fee and No minimum balance
  • Earn high dividends or receive cash back for every debit card transaction
  • ​Free online banking, bill pay and account transfers across FORUM account
  • Convenient Mobile App featuring check deposits, bill pay, account alerts and more
  • Make secure, mobile payments on your Apple, Android, or Samsung device
  • ​Access to 5,000 shared branch and surcharge-free ATMs nationwide
  • Free FORUM ATM transactions & 4 free non-FORUM ATM transactions per month
  • Overdraft Protection available for those unexpected expenses
  • Free unlimited signature or PIN based Mastercard® Debit Card transactions
  • ​Plus, automate savings & earn a high dividend rate with a CommonCents account tied to YOUR Checking
FORUM debit card

Mastercard® Debit Card

The FORUM Credit Union Mastercard® Debit Card makes life a little easier. It gives you fast and secure access to your funds for everyday and special purchases. Get the convenience and protection you deserve.


  • Greater financial control than cash
  • Ability to track spending easily
  • Receive real-time account alerts for your FORUM debit card through CU Online or FORUM's mobile app
  • Convenience of not writing checks
  • Mobile payments with Apple, Android, and Samsung devices
  • Receive your new or reissued debit card immediately at any branch location



Rewards & Bonuses*

Earn $0.05 on every debit card transaction! Or earn a high dividend rate on your monthly balances up to $25,000!


There are two options for earning dividends on the YOUR Checking Account:

  • Option 1 - Maintain a total of $1,000 or more of new money coming into your checking account each month (deposits include payroll direct deposit, social security direct deposit, etc., transfers from another account do not count toward the $1,000 requirement).
  • Option 2 - Perform 20 or more debit card transactions each month on the account designated to earn dividend rewards (PIN or signature transactions).

Cash & Banked

Rewards for cash or banked rewards will be earned at the rate of $0.05 for every FORUM debit card transaction (PIN or signature based transaction). Banked rewards will put all earned cash into your account at the end of the year.

Receive the current checking account dividend rate. See FORUM’s deposit rate sheet for current dividend rate. Dividends paid on daily balances of $.01 to $25,000.


with each
Debit transaction


High Dividend Rate on balances up to $25,000

How it Works

All new accounts are automatically set to earn cash rewards. To change your reward option selection through CU Online.

Log into your Account

Click on "My Accounts"

Choose Reward Type

Member Benefits

Cash coming out of a slot
  • Notary services

  • Free credit report and analysis

  • Local branc​h events, including free shred days 

  • Access to service discounts on insurance, mobile phone service and more!

Explore Member Perks

Account Access


Mastercard® Debit Card


Online + Mobile App

ATMs + Your Local Branches

Members have access to 5,000 shared branch locations and surcharge-free Alliance One ATMs nationwide.

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