Earn More with Blaze Dividend Checking
Get a checking account that pays you back on any balance and still gives you all the everyday conveniences you expect.
Why Choose a Blaze Dividend Checking Account
Dividends
Earn dividends on any balance.
A $2,000 daily minimum balance is required to avoid a monthly minimum balance fee.
Free Blaze Digital Banking
Securely manage your accounts and transfer money from anywhere with free access to Blaze Digital Banking and the Blaze CU Mobile app.
Get More Than Dividends
Enjoy complimentary custom Blaze checks and receive two out-of-network ATM fee waivers per monthly statement cycle.
Enjoy over 125,000 Free ATMs
Access your money anywhere your path leads. Blaze members enjoy over 125,000 free ATMs worldwide. ATMs are free at all Blaze and Kwik Trip locations. ATMs with the Allpoint or MoneyPass logo and ATMs at Co-op Shared Network credit unions are also free.
Easy Transfers & Overdraft Protection
Move funds to other Blaze or external accounts at no cost from Blaze Digital Banking, Blaze ATMs, or at a branch. You can also link your Blaze Share Savings account for overdraft protection.
Digital Wallet
Add your Blaze Visa® Debit card to your digital wallet and pay with any device on Apple Pay®, Google Pay™, Samsung Pay, or Garmin Pay™.
Choose Your Debit Card
Choose from a standard contactless Blaze Visa® Debit card, or pick one of our exclusive partner cards with the Minnesota Wild, St. Paul Saints, UMN Alumni Association, or St. Cloud Rox.
All Blaze Debit cards are protected with 24/7 fraud monitoring and Visa's Zero Liability policy.+
Blaze Visa Debit
Blaze your path with a Blaze Checking account and a Blaze Visa Debit card.
With your contactless card, tap, insert, or swipe at any chip reader to pay at checkout. Easily link your card to your digital wallet.
Minnesota Wild Visa Debit
Show your love for the State of Hockey with the exclusive Blaze Minnesota Wild Visa Debit card.
Enjoy a 15% discount at The Hockey Lodge™ when you show your Blaze Minnesota Wild Debit card.
Plus, with each purchase, you get one entry into a monthly drawing for a chance to win Wild prizes!2
Official Credit Union of the Minnesota Wild
St. Cloud Rox Visa Debit
Have Rox Solid Fun with the exclusive Blaze St. Cloud Rox Visa Debit card.
Official Checking Account of the St. Cloud Rox
St. Paul Saints Visa Debit
Fun is good with the exclusive Blaze St. Paul Saints Visa Debit card.
Enjoy a 15% discount at the Team Store at CHS Field when you show your Blaze St. Paul Saints Debit card.
Plus, get two free vouchers for an upcoming game.1
Official Checking Account of the St. Paul Saints
UMN Alumni Association Visa Debit
Show your pride for the Maroon & Gold with the exclusive Blaze University of Minnesota Alumni Association Visa Debit card.
Enjoy a 10% discount at the MN Alumni Market when you show your Blaze UMN Alumni Association Debit card.
Official Partner of the University of Minnesota Alumni Association
Blaze Checking Account Comparison
| Feature | Dividend Checking | Free Checking |
|---|---|---|
| Good for | Members who keep a higher balance and want to earn dividends |
Simple everyday checking |
| Monthly Fee | $0 with $2000 minimum balance |
None |
| Minimum Balance | None, $2000 to avoid monthly fee |
None |
| Opening Deposit | $100 |
$100 |
| Dividends Earned | Any balance |
None |
| Cash Bonus | None |
$200* immediately |
| Free Checks | No |
Yes |
| Account Transfers | Free |
Free |
| ATM Access | 125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee |
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee |
| ATM Fee Waiver | Two per month |
None |
| Digital Banking | Free access to Blaze Digital Banking and the Blaze CU Mobile app |
Free access to Blaze Digital Banking and the Blaze CU Mobile app |
| Insured Funds | Federally insured up to $250,000 through the NCUA |
Federally insured up to $250,000 through the NCUA |
| Fraud Protection | 24-hour account monitoring, customized account alerts, Visa's Zero Liability Policy+ |
24-hour account monitoring, customized account alerts, Visa's Zero Liability Policy+ |
Dividend Checking
- Good for
Members who keep a higher balance and want to earn dividends
- Monthly Fee
$0 with $2000 minimum balance
- Minimum Balance
None, $2000 to avoid monthly fee
- Opening Deposit
$100
- Dividends Earned
Any balance
- Cash Bonus
None
- Free Checks
No
- Account Transfers
Free
- ATM Access
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee
- ATM Fee Waiver
Two per month
- Digital Banking
Free access to Blaze Digital Banking and the Blaze CU Mobile app
- Insured Funds
Federally insured up to $250,000 through the NCUA
- Fraud Protection
24-hour account monitoring, customized account alerts, Visa's Zero Liability Policy+
Free Checking
- Good for
Simple everyday checking
- Monthly Fee
None
- Minimum Balance
None
- Opening Deposit
$100
- Dividends Earned
None
- Cash Bonus
$200* immediately
- Free Checks
Yes
- Account Transfers
Free
- ATM Access
125,000+ free ATMs with a Blaze Visa Debit card, $2.50 out-of-network fee
- ATM Fee Waiver
None
- Digital Banking
Free access to Blaze Digital Banking and the Blaze CU Mobile app
- Insured Funds
Federally insured up to $250,000 through the NCUA
- Fraud Protection
24-hour account monitoring, customized account alerts, Visa's Zero Liability Policy+
Calculate Your Journey
Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.
Disclosures
$100 minimum deposit required to open a Blaze Dividend Checking account. See current Service Fee Schedule for additional information. Fees may reduce earnings.
+Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
