Make more money happen with a checking account that pays you more than ever before

The Power of Five

You can earn 5.00% Annual Percentage Yield (APY) on balances of up to $5,000. For balances greater than $5,000 plus earn 0.50% APY on balances greater than $5,0001.

A Checking Account that Returns ATM Fees2

Get up to $15 in non-Fox ATM fees back each month2 and you can even get your paycheck up to two days faster3. Is your bank doing that?.

Free Money? Yes please!

Fox Rewards Checking paid out more than $447,000 to thousands of members last year. Cash in and get $250 of free money every year.*

You don't have to be swimming in wealth to have a savings account that's worth its weight in gold. Fox Rewards Checking1 requires no minimum balance.

Fox Rewards Checking

Did your checking account pay you $250 last year?* You could be missing out on $250 of free money every year.* It’s time to reward yourself.

Earning 5.00% APY earnings on your first $5,0001 and 0.50% APY on everything beyond $5,000 in checking deposits is nice and simple. To start cashing in, take a few common-sense steps, like making regular use of your Fox debit or credit card and signing up for Direct Deposit and e-Statements.

  • Earn big-time dividends on your checking deposits
  • No minimum balance
  • You may receive faster access to your payroll, pension, or government benefit funds with Direct Deposit3
  • Qualify for up to $15 in ATM fee rebates from non-Fox ATMs2
  • Free Debit Card for easy transactions online and in stores
  • 24/7 Online Banking and electronic Bill Pay
  • Free Mobile Banking and mobile check deposit4
  • Access to nationwide network of ATMs
  • Pair this account with a Fox Rewards Money Market or Fox Rewards Savings Account for even more growth

Qualification Details

Did we mention the 5.00% APY returns on balance of up to $5,000 plus earn 0.50% APY on everything beyond $5,0001? Did we mention the easy qualifying steps? This is all you have to do.

  • Use your Fox debit and/or credit card 15 times per month for qualifying purchases
  • Sign up for eStatements
  • Have a valid email address
  • Have a total monthly Direct Deposit or automatic debit of at least $500 attached to the account
How will I know if I meet the qualifications to earn 5.00% APY?

Already have a Fox Rewards Checking Account? Scope out the nifty Rewards Checking Tracker in online banking where you'll find:

  • Current Fox Rewards Checking qualification cycle dates

  • Progress bar for your qualifying debit and/or credit card purchases

  • Required qualification services and whether you have met them (green checkmark) or have not met them (red X)

  • Year-to-date ATM refunds and dividends earned

Where do I access the Rewards Checking Tracker?

Access this feature by logging into Online Banking, selecting your Fox Rewards Checking account and then the Rewards tab.

Rewards Checking Tracker

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Wisconsin.

Run the Numbers

Frequently Asked Questions

Yes, Fox has a convenient option for you to open an account online – complete the online application process. You’ll also need a current form of identification and a method to fund your new account.
*Please note some of Fox’s accounts may not be available for online account opening at this time.

Your $5 Membership Share account makes you a Fox member-owner, which means you get to enjoy all the benefits Fox has to offer.

There is no limit to the number of accounts you can have at Fox.

Please come see us at one of our Fox locations to complete the necessary documents to add or remove a joint account owner from an account. Members can also close the account and then reopen a new account, which can be easier and more convenient in some situations.

Stop by one of our Fox locations or give us a call to complete the necessary documents to add or remove a beneficiary from an account. You can also learn more about adding a beneficiary in our blog post on the subject.
And if you can’t remember who is currently listed as beneficiary on your account(s)? Stop by one of our Fox locations or give us a call.


Yes, external account transfers are available through our mobile app or Online Banking. Simply follow the steps listed in our blog.

Most employers typically have a direct deposit form for you to complete in order to deposit your paycheck into your personal account. Check with your HR department, or get in touch with us if you need help.

You will need the following information:

  • Routing #: 275977256
  • 12-digit Account Number – You can find your full 12-digit account number in Digital Banking or simply by contacting us and requesting it.

There are several reasons why a check may have a hold placed. The length of the hold on the check will depend on the type of check you deposit. If you have questions about how long your check will be held, or to inquire about a specific check, please contact a Fox team member or visit one of our many Fox locations.

Are you signed up for paperless statements? If so, that’s why. If not, contact our friendly Fox team and we’ll get it figured out. Monthly statements are typically mailed by the second business day of the month. Mortgage statements are mailed in the middle of the month.

Yes, the National Credit Union Administration (NCUA) insures deposits up to $250,0000. The amount of coverage depends on the ownership and types of accounts you have with Fox. To learn more, please visit Share Insurance FAQs or Share Insurance Estimator.

Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on a share account based on the interest rate and the frequency of compounding for a year.
Annual Percentage Rate (APR) is the cost of credit on a annual basis you’ll pay when borrowing money, expressed as a percentage.

Mobile Check Deposit is the ability to deposit your check into your Fox checking or savings accounts using your smartphone or tablet with the Fox Mobile App. If you don’t have our Fox mobile app, you can download it from Apple Store or Google Play store.

  1. Log into the Fox app from your smartphone or tablet
  2. Select “Deposit Check”
  3. Select “Deposit Account”
  4. Enter amount listed on check
  5. Endorse the back of check “For Mobile Deposit at FCCU” followed by your signature
  6. Snap a photo of front and back of check
  7. Select “Submit Deposit”

*Reminder: To use this service, you’ll need to be enrolled in Fox Communities Credit Union Digital Banking.


Yes, you will receive an email notification when your deposit is received and when it’s either approved or rejected.

Deposits received
Lets you know we have received your deposit, but the funds are not yet available for use, as the deposit is awaiting review/approval.

Deposit approved
Lets you know we have approved your deposit and it will be credited to your account during the next available deposit posting time.

Rejected deposit
Notifies you the deposit cannot be processed and the reason why. The funds will not be available in your account. You may view an image of the check under your Digital Banking activity details.

Deposits submitted after 3 p.m. CST, Monday-Friday, may not be deposited until the following business day. Any deposits submitted on a weekend or federal holiday will be processed on the following business day.

Generally, funds will be available for withdrawal by the second business day after the day of deposit. However, longer delays may apply. For additional information see Fox Communities Credit Union funds availability policy.

Yes, your Mobile Check Deposit may be rejected due to several reasons, including:           

  • You’re over the daily mobile check deposit limit
  • Blurry Image
  • Missing Signature on front of check
  • Improper endorsement on the back of the check
  • Unable to read MICR (magnetic ink character recognition) line
  • Third-party check


Your new card will be mailed to you before your old card expires. If you don’t receive it, please contact our friendly Fox team. Your card is good through the last day of the expiring month.

Most Fox locations offer instant issue debit cards. If your branch doesn't, your debit card will arrive in the mail within 3-7 business days of opening your account.
If you did not request a debit card when you opened your checking account and want one, please stop by any one of our Fox locations or call our friendly Fox team.


Our routing number is 275977256. You may also find this number in the bottom left corner of your checks. You’ll also need your 12-digit account number if you want to deposit money into your Fox account, which you can find in Digital Banking or simply by contacting us and requesting it.

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APY=Annual Percentage Yield is accurate as of 6/7/2024. Rates may change at any time as determined by Fox's Board of Directors.


To earn $250 you need to maintain a $5,000 average daily balance for a year and meet the additional monthly qualification of the Fox Rewards Checking account to earn the disclosed APY.


When the Fox Rewards Checking account daily balance up to and including $5,000.00 earns a dividend rate of 4.89%, resulting in an APY of 5.00%; and daily balances over $5,000 earn a rate of 0.50% APY on the portion of the daily balance over $5,000.00 resulting in a range from 0.50% to 5.00% APY, depending on the account daily balance and meeting the monthly qualifications. When qualifications are not met, the rate earned on the entire daily balance in the account will be 0.01% APY, and domestic ATM fee refunds will not apply. Dividends are calculated and accrued daily based on the Fox Rewards Checking balance tier and Monthly Qualification requirements met. Monthly Qualification Cycle requirements are: (a) make 15 Fox Communities Credit Union (Fox) debit/credit card qualifying purchase transactions that post and settle during each Monthly Qualification Cycle, restrictions apply; (b) have a $500 or more direct deposit or automatic payment during each Monthly Qualification Cycle; (c) enroll in Online Banking and elect to receive eStatements with a valid email address. Limit of one Fox Rewards Checking account per a tax reported owner. Rates are subject to change at any time. Fees may reduce earnings on account.

The monthly qualification cycle begins on the last business day of the previous month and ends one (1) day prior to the last business day of the current month. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document. To qualify for Fox Rewards Checking account, you must be an existing member of Fox or establish membership by opening a Membership Share Account with a minimum $5 deposit.


Domestic ATM fees incurred during each monthly statement cycle will be reimbursed up to a total of $15.00 if qualifications are met within the Monthly Qualification Cycle. Domestic ATM fees incurred will be posted to your account on the last day of the current month’s statement cycle.


Fox will post payroll direct deposits on the day they are received, which may be up to two business days earlier than the scheduled posting date. Other exceptions may apply.


Your mobile carrier’s message and data rates may apply. Contact your service provider for details.