The short answer: It should. A great checking account doesn't just hold your money — it actively helps you save more, avoid unnecessary fees, and earn rewards on the things you're already paying for. That's exactly what we built MyDesign Checking to do.
What Should You Expect from a Great Checking Account?
At minimum, your checking account should never work against you. That means no minimum balance requirements, no surprise fees, and easy access to your money when you need it.
MyDesign Checking covers all of that — and then some. What sets it apart is that it comes with all the checking essentials you'd expect, plus early payday and your choice of perks that can protect your money, grow your savings, or even pay you back. Here's what's included:
- Early payday — get your paycheck up to 3 days early
- No minimum balance requirements
- No foreign ATM fees
- Free debit card
- Free paper checks (one box per year)
- Free cashier's checks
- Full digital banking and bill pay
These are the foundations. But what makes MyDesign Checking truly different is what comes next.
Yes, Your Checking Account Can Offer Real Rewards
We designed MyDesign Checking around a simple idea: not everyone needs the same things from their checking account. So instead of locking you into a one-size-fits-all rewards program, we let you choose the perk that fits your financial life — at no extra cost.
Here's what each one offers:
Steady Saver — Supercharge Your Savings
When you designate MyDesign Checking as your primary account and enroll in eStatements, you unlock access to our High-Yield Savings account with higher dividend rates on balances up to $50,000 — that's 2x the standard limit. Members who maximize this perk can earn up to $1,940 per year, making your savings work significantly harder than a standard savings account.
Worry-Free — Peace of Mind, Built In
Unexpected charges and overdraft fees add up fast. With the Worry-Free perk, we waive overdraft transfer fees so a temporary gap in your balance doesn't snowball into a string of charges. It's valued at up to $840 — but the real value is the stress it eliminates.
Ride Rebate — Get Paid Back for Your Car Payment
If you have a Langley auto or EV loan, this one's a no-brainer. Make your on-time loan payments from your Ride Rebate checking account and we'll give you a 10% interest rebate — every month, automatically. Over the life of a 5-year loan, that averages out to around $841 back in your pocket.
Want Every Perk? Bundle and Save.
If you want the full picture — high-yield savings, fee protection, and loan rebates — our All-In Bundle combines all three perks for just $9.95 per month. The total value can reach up to $3,621, making it one of the most rewarding checking accounts available.
One Account, Your Way
The idea behind MyDesign Checking is that your financial needs change — and your checking account should be able to change with them. You can switch your perk once per month (or jump straight to All-In), so you're never locked into something that no longer fits.
We believe checking accounts should do more than sit there. MyDesign Checking is our commitment to giving you a smarter, more rewarding everyday banking experience — without making you jump through hoops to get it.
Ready to build yours? Open your MyDesign Checking account online in minutes.
*Annual Percentage Yield