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Which Checking Account is Right for You?

Are you considering a Sunrise checking account but you’re not sure which one is right for you? This article highlights each of our accounts to help you determine the best fit for your needs.

Meeting You Where You Are

Sunrise might be based in Minnesota, but our goal as a socially responsible community bank is financial empowerment and wellness for everyone. That’s why we’ve made many of our services accessible across the country thanks to our cutting-edge technology and online banking options. So, wherever in the U.S. you’re located, we’re here to help you build a strong financial future.

Sunrise Checking Accounts

No two people are the same and neither are their banking needs. Sunrise offers several different accounts to accommodate varying financial interests and stages in life.

Key Checking

Sunrise Banks’ Key Checking Account is a great option for anyone looking to accomplish essential banking functions. There’s no monthly maintenance fee and only a $25 minimum opening balance is required.

While the goal of Key Checking is just that – to accommodate individuals looking for only the key checking services – this account is anything but basic in terms of access. Our full suite of online banking offerings is available to Key customers, including online bill pay and mobile deposit.

With a Key account, you can sign up for free electronic statements – reducing our carbon footprint and saving you fees on paper statements. Ordering checks is also quick and easy.

Key Checking customers experience peace of mind with 24/7 card account monitoring and fraud protection. Thanks to the CardValet ® app, an added level of security is right at your fingertips. Control your debit card around the clock by instantly locking and unlocking your account, setting spending limits, receiving alerts of potential fraud, getting real-time transaction alerts, and more. Fraud transaction disputes are easily made online.

Rise Checking

You’d be hard-pressed to find a more worry-free banking experience than Sunrise Banks’ Rise Checking Account.

A standout perk of our Rise account? There are no overdraft fees – ever. Skip the financial headaches and uncertainty from other banks by opening a Rise account and never worry about draining your funds again. The Rise account is also certified by Bank On.

A $25 minimum opening balance is required, as well as a low, built-in monthly $5 maintenance fee.

Like Key account holders, Rise customers can also benefit from CardValet® fraud protection, one-click check ordering, free e-statements, and full online banking access.

Platinum Checking

A unique feature of Sunrise Banks’ Platinum Checking Account is that you’re rewarded based on activity levels – because why not earn rewards for banking you’re doing anyway?

Our UChoose Rewards® program is a cash-back system that can be used in place of, or in addition to, a credit card rewards program. Get more out of your Platinum account by earning one point for every $3 spent. Points can be redeemed at hundreds of retailers nationwide.

To qualify for rewards, customers must make at least 15 debit card purchases and at least one of the following per month: One automatic deposit, three automatic payments, or one mobile deposit.

Qualifying customers receive a higher annual percentage yield, waived $10 monthly maintenance fee, and up to $15 in ATM fee refunds per month.

Our Platinum account only requires a $25 opening balance and $10 monthly maintenance fee, which can be waived if monthly qualifications are met. As with the Key and Rise accounts, Platinum customers can enjoy one-click check ordering, free e-statements, and full online banking access.

Senior Checking

Are you 55 or older and looking for an easy and rewarding banking experience? Consider Sunrise Banks’ Senior Checking Account.

Senior customers can open an account with only $25 and further their funds by accruing monthly interest. Additionally, the $10 monthly maintenance fee can be waived with a direct deposit in the account.

While Senior account holders enjoy many of the same features as our other checking customers, such as free e-statements and full online banking access, there are special perks as well. These bonus features include free specialty checks, discounted designer checks, and free cashier’s checks and money orders.

Come Bank With Us

Whichever Sunrise checking account you choose – or if you’d like more information – we’re here for you! Give us a call at 651-265-5600 or contact us online.

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