Connexus Credit Union Innovative Checking Account

You can apply online, using the link available when you click on the "APPLY NOW" button on this page. You'll be taken to the Connexus website, where you'll be able to complete an application form. If you're not already a member of the Connexus Credit Union, you'll have to join them first.

You can join Connexus if you belong to one of the eligible groups:

1. Employees, retirees, family members, members, students, or student alumni of one of the following groups:

• ALPA FCU,
• ALPA Union,
• Aqua Finance,
• Aspirus Inc,
• Cincinnati Bell,
• Cintel,
• Convergys,
• Endura,
• Honeywell,
• Liberty Mutual Insurance,
• Marketplace Home Mortgage,
• Marshfield Clinic,
• Minnesota Consumer Council,
• Northcentral Technical College,
• Orbital ATK,
• TSI Incorporated,

2. Residents of one of the following communities or counties:

• Brooklyn Center, MN,
• Crystal, MN,
• Golden Valley, MN,
• Hopkins, MN,
• Minneapolis, MN,
• New Hope, MN,
• Robbinsdale, MN,
• St. Louis Park, MN,
• Cincinnati, OH,
• Norwood, OH,
• Adams County, WI,
• Clark County, WI,
• Juneau County, WI,
• Langlade County, WI,
• Lincoln County, WI,
• Marathon County, WI,
• Portage County, WI,
• Shawano County, WI,
• Taylor County, WI,
• Waushara County, WI,
• Wood County, WI,

3. Spouses, family members, and those living in the same household of an existing member,

4. Members of the Connexus Association.

If you don't belong to any of the first 3 group categories, becoming a member of the Connexus Association would be your only solution to join Connexus. This requires a $5 donation, as a contribution to financial education services provided to those in need.

Shared Branching is a network of credit unions that work together to allow members of one participating credit union to make select transactions in the branch of another participating credit union.

Connexus is part of the CO-OP Shared Branch network, giving you access to over 6,000 shared branches, where you can make a number of transaction as if you were at a Connexus branch.

First of all, you need to find a shared CO-OP branch. Upon arrival, let the teller know you’re a member of Connexus Credit Union, give them your member number, and provide a valid government-issued ID. Once they've verified your identity, you'll be able to make:

• loan payments, and loan advances,
• deposits, and withdrawals,
• money orders, and cashier's check orders,
• balance inquiries, and history printouts.

No, you can't open a new Connexus checking account at any shared branch location. You can only open a checking account with Connexus online, over the phone or at a Connexus branch.

Yes, there's Connexus Privilege Pay, which automatically applies to your checking account. This overdraft service authorizes and pays your check, ACH, or Bill Pay transaction, even if it overdraws your account. However, even with this feature, you may still be charged an overdraft fee (which is still lower than what others charge). But, if you want to eliminate the risk of being charged $29.95, especially if you overdraw your account by only a few dollars, you can also consider:

• Opening a Connexus savings account, and linking it to your Innovative Checking. This service is free. You can link your Connexus savings and checking accounts by calling Connexus at 800.845.5025.

OR

• Applying for an Overdraft Line of Credit, the credit limit ranging between $300 and $1,000, with an interest rate of 18% APR. You can apply either online or by calling Connexus at 800.845.5025

You can access Connexus Assist through text message, by connecting your device, or through Amazon Alexa, by linking your digital banking in Skill Settings, and setting up your voice passcode. 

You can ask Connexus Assist to answer some questions or do banking tasks for you. Here are some things you can ask Connexus Assist:

• to check balances in your Connexus accounts,
• to view recent transactions,
• to check loan payment due dates,
• to check loan interest rates,
• to get a summary of your finances,
• to transfer your money,
• to pay your loan,
• to find you the nearest branch or ATM,
• to tell you the branch hours,
• to tell you your routing number,
• to tell you how to reset your voice passcode,
• to give you loan repayment options,
• to inform you of the current interest rates,
• to learn more about Connexus, and how to become a member,
• to learn about FICO score, direct deposits, and other personal finance-related things.

Connexus Digital Banking Spending Activity Tool shows a breakdown of your monthly spending activities grouped in different categories for a better overview.

In case you need to save money, the tools can help you decide where to cut down spending by giving you insight into your spending habits, so you can better organize your money, and make better financial decisions. You can also compare spending from the current month with the one from the previous month, which enables you to see how your purchasing habits evolve, and whether there's a particular category that you're spending too much or little in, and so on.

You can access the Spending Activity Tool using your PC, laptop, tablet or smartphone device free of charge.

There are many account notifications you can turn on from your Connexus Digital Banking account if you'd like to receive alerts and flags related to your account, activity, and budget. Currently, you can receive:

• Balance Summary Alerts: sent either daily or weekly.
• Balance Alerts: to know whether your balance falls behind a certain threshold,
• Budget Category Exceeded Alerts: if using the Digital Banking Budget tool, these alerts will notify you if you spend too much in a certain category,
• Budget Exceeded Alerts: if using the Digital Banking Budget tool, you'll know when you exceed the total budgeted for spending for that  month,
• Check Cleared Alerts: alert criteria can be per check number and/or amounts, so you know when an outgoing check has been cleared.
• Debit Card Purchase Alerts: if you make purchase of a selected amount using your Connexus debit card,
• Digital Banking Access Alerts: you'll receive alerts each time you access your Digital Banking account (great for fraud monitoring purposes),
• Goal Completed Alerts: sent to celebrate each time you achieve your Savings Goal,
• Goal Endangered Alert: sent when you're approaching a Savings Goal deadline, but haven't really approached the desired savings amount.
• Insufficient Funds Alerts: in case you don't have enough money in your Connexus account(s),
• Loan Payment Due Alerts: you can enter the number of days before and/or after a loan payment due date, so that you don't forget to pay off your loan,
• Logout Alert: so you know when your Digital Banking session expired,
• Share Certificate Maturity Alerts: you can select the number of days before maturity that you’d like to receive a notification,
• Transaction Alerts: you'll receive alerts when a transaction of a certain amount occurs, whether incoming or outgoing,
• Transfer Fails Alerts: in case of an unsuccessful transaction, you'll instantly receive an alert,
• Transfer Succeeds Alerts: in case of a successful transaction, you'll instantly receive a notification.

Connexus' routing number is 275982296.