Connect Checking
Earn 1% back with Connect Checking*. The account that rewards you every time you dine out, get gas, or shop for groceries! With no minimum or monthly balance fees, and an exciting rewards program, you’ll love how rewarding banking can be.
Not yet a member? We're happy you're here! Click below to get started with your account today
Already an Honor member but don’t have a checking account? Let's get you started with one!
Essential Checking, Premium Features
Earn Rewards & Cash Back on Everyday Purchases
PERKS YOU'LL LOVE
Earn 1% Back with Debit Card Rewards*
Earn 1 reward point for every $1 spent when you use your Connect Checking debit card on restaurant, grocery, and gas purchases.
No Fees. Ever.
When we say no fees, we mean it. Enjoy no monthly card fees, no minimum balance requirement, and no ATM fees.
Every little bit counts! Enroll and round up your daily purchases to effortlessly increase your savings.
Not yet a member? We're happy you're here! Click below to get started with your account today
Already an Honor member but don’t have a checking account? Let's get you started with one!
We’re Honored You’re Here! Claim Your $250 Bonus**!
How Rewards Work
Rewards are only three simple steps away
1. spend
Every qualifying debit card purchase
at participating retailers (grocery, restaurants, gas stations, etc.) earns 1 reward per $1 spent.
2. stack
Points are added automatically with every purchase. Keep spending to watch your rewards stack up!
3. earn
Redeem points with Honor’s uChoose Rewards program for amazing rewards like gift cards, cash back, electronics, travel, and much more!
Come Be a Part of It -Open An Account Today!
How To Redeem Connect Checking Rewards Points
Our uChoose Rewards program offers our Select Rewards credit cardholders the best-in-class rewards options, including 1% cash back, travel, merchandise, gift cards, and much more!
About Reward Points
- You can access the uChoose Rewards system through the Honor app, online banking, or by clicking the button below.
- You will be required to create a uChoose Rewards account the first time you redeem points.
- Reward points can be redeemed for up to three years following the transaction date.
How To Register Your Card
Creating a uChoose Rewards account is simple! It’s an easy 3-step registration process and only takes a few minutes. You will need:
- 16-Digit Card Number
- Personal Information
- Account Information
Tools for Your Success
Services designed just for you
Access your pending ACH direct deposit early with our Instant Deposit and skip the wait for your money.
Enroll and keep those pesky overdraft fees at bay, while keeping your transactions on track.
Why Honor?
At Honor, you can unlock life’s potential, where your membership not only strengthens the community but also amplifies your financial well-being.
We're Real
When you choose Honor, you’re choosing to be valued. Our members are our top priority. Did we mention, as a member, you’re actually one of our owners?
We're Local
Like you, our home is Michigan and with 28 Member Centers to choose from, your neighbors are our neighbors.
We're Here to Support
With our top-tier technology and easy access to your funds, you’ll feel empowered and supported every step of the way.
Community Impact
$11,763,087
Total Interest & Incentives Paid to Members in 2023
$734,293
Donated in Support of 669 Organizations in 2023
$235,600
Homeownership Grant Funds Awarded to Homebuyers in 2023
94,620
Pounds of Paper Recycled During Free Shred Day Events in 2023
Checking Account FAQs
Setting up or switching your direct deposit to Honor is as easy as a click of a button with our ClickSWITCH tool. We also have a simple form you can fill out and submit to your employer’s HR department.
Absolutely! Paying your bills online with Honor is free and easy.
For Members
Visit our online banking page to learn how to set up Online Bill Pay.
Not a Member Yet?
No problem. First, let’s get you into the Honor family with our simple clickSWITCH tool.
Yes! Both of our checking accounts give you access to over 35,000 surcharge-free ATMs across the country. As an added bonus, our Benefits Checking account pays you up to $20 each month in surcharge reimbursements if you use an ATM that is not in our network.
Leaving The Country?
No problem.
- Simply give us a heads up before you leave by calling us at 800.442.2800 or stop by a local Honor branch so we know to expect transactions from your destination.
- Beware of blocked and sanctioned countries. The Office of Foreign Asset Control (OFAC) of the US Department of Treasury has a current list of those countries. If the country you are visiting is on this list, ALL card activity will be blocked per the requirement from OFAC. On occasion, Honor Credit Union may block countries in addition to those listed on the OFAC list, but should there be additional countries, they would be listed here.
- While debit and credit cards are accepted in most countries, MasterCard charges foreign currency conversion fees for purchases made with their credit and debit cards, in addition to ATM cash withdrawal fees.
No! Honor Credit Union doesn’t charge per-check fees for either checking account.
There are three ways to reorder checks!
Online Banking
- Login to online banking
- Click the orange “OC” icon next to Checking on the main Account Summary page.
Deluxe Website
You can reorder checks by visiting the Deluxe website.
In Person
You can stop by any local member center and speak with an Honor team member to order more checks.
Effective November 1st, 2024, Connect Checking now features 1% cash back, earning 1 reward point for every $1 spent only on the following spend categories:
- Gas
- Groceries
- Dining out
Qualifying purchases include transactions at Grocery Stores, Supermarkets, Restaurants, Fast Food, Drinking Places, Discount Stores, Variety Stores, Wholesale Clubs, Pharmacies, and Gas Stations (including EV charging stations). Gambling and other transactions do not qualify. Click here for a full list of MCC (merchant category) codes.
There are no minimum balance or service fees associated with the Connect Checking, however NSF and Courtesy Pay fees will still apply.
Yes, members must qualify for the checking account. If the member already has a credit pull on file newer than 90 days or an active checking account in good standing (with Courtesy Pay), then a new credit pull could be avoided.
Yes, members can have multiple Connect checking accounts.
Yes, a new debit card will be needed.
Our system is designed to give points based on the qualifying spend categories, but if for some reason it does not pay out the points at month end, feel free to contact us at 800.442.2800 or stop into their local member center.
You can redeem these points through UChoose by setting up your card.
Points do not expire.
Yes, members can have both types of accounts.
You won’t toggle between the cards, bonus points will show as combined in UChoose if both a credit and debit card are held.
Bonus points can be redeemed through our uChoose Rewards program found on the Honor CU mobile app or Online Banking:
- Once logged in to the Honor CU app, click Accounts in the bottom of the screen
- Scroll down -> click on your Select Rewards Credit Card or Connect Checking
- Click Redeem uChoose Rewards
- If the member has not registered their card, please click Register
For full details on how to redeem points, as well as information on point expiration and restrictions, please refer to the uChoose Rewards terms and conditions
- Log in to online banking and click UChoose Rewards
- Click Register
- Choose Link Account
- Enter the 16 digit card number
*APY = Annual Percentage Yield. Rates accurate as of 11/1/24, $25 minimum deposit required to open. Account earns 0.00% APY. Members earn 1 reward point per every $1 spent on qualifying net debit card purchase transactions (purchases minus returns/credits) posted to their Connect Checking accounts as signature-based or PIN-based point of sale (POS) debit transactions (PIN-based ATM transactions not eligible; please note that Honor posts transactions based on how they are received from merchants). Qualifying purchase transactions are defined as those retailers whose Mastercard Merchant Category Codes (MCC) are classified as follows: Grocery Stores, Supermarkets, Restaurants, Fast Food, Drinking Places, Discount Stores, Variety Stores, Wholesale Clubs, Pharmacies, and Gasoline (gas stations, EV charging stations). All other debit card transactions will not accrue reward points. Account holders are advised to refer to the uChoose Rewards program terms for comprehensive details on point redemption, limitations, expiration, and other pertinent information. Some restrictions may apply. Insured By NCUA.
**APY = Annual Percentage Yield, 0.00% APY. $250 paid when new or existing member without a current checking account opens a personal checking account with a minimum opening deposit of $25, sets up qualifying direct deposit(s) totaling $500 or more and conducts 8+ debit card transactions all within 60 days of account opening. A qualifying direct deposit is defined as one from a recurring paycheck, pension, or government benefits (such as social security) payments only. Non-payroll related ACH, person-to-person payments and transfers from other financial institutions or other Honor CU accounts do not qualify. Bonus will be paid within 30 days of minimum requirements being met. New account must remain open and maintain a positive balance for at least 90 days. If criteria is not met, $250 bonus will be withdrawn from account. New members must open account at honorcu.com/bonus/ or a local member center location. Existing members must open new checking account at member center location, phone, or video appointment, and specifically mention the $250 offer at time of opening. Existing members that have closed a checking account at Honor in last five years, not eligible. Offer subject to change without notice. The value of the reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation. Insured By NCUA.
