Lopes Checking Account Rates

Lopes Checking Account Rates
Checking Account Type
Dividend Rate
(as high as)
Annual Percentage Yield
(as high as)
Checking Account Type
Lopes Checking
Dividend Rate
(as high as)
Annual Percentage Yield
(as high as)
Effective October 1, 2023

Minimum $25.00 deposit is required to open a checking account.

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Free Checking with Debit Card Bonuses!

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Lopes Checking Account Features

Yes, we're the credit union with the branch on campus! We're proud to offer a free checking account for our Lopes family. Full of features and benefits, you'll love this checking account. 

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No monthly fee.
No monthly fee2 and no minimum account balance requirements for Lopes.
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Access 55,000+ ATMs
Access surcharge-free ATMs nationwide through the Allpoint Network of ATMs.
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Round-Up Savings3
Round up your debit card purchases and deposit the difference to savings.
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Free app with features.
Our free app includes Bill Pay and Remote Deposit Capture for easy money management.
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It's all about the Lopes family.
With every swipe of your Lopes debit card, Copper State Credit Union will donate to the Students Inspiring Students Scholarship Fund.
Free Lopes Checking Account Details

Packed full of features and benefits.

A truly free checking account meant just for your college lifestyle. After a minimum opening deposit of $25, there is no monthly fee and no minimum balance requirements. You'll be able to swipe and share your GCU pride with a free MasterCard® debit card featuring Thunder the Antelope. With every purchase, we'll donate to the Students Inspiring Students Scholarship Fund.

You'll benefit from unlimited access to any of our surcharge-free ATMs nationwide and you'll be able to manage your money 24/7/365 through online banking and our mobile banking app.

Use your Lopes debit card with Apple Pay, Samsung Pay, and Google Pay, whichever is your preferred digital payment choice.

Round-Up Savings2: We know saving money can be difficult, in college it can feel impossible. That's why we've outfitted the Lopes Checking Account with the Round-Up Savings option. This feature will round up your purchases to the nearest dollar and have the money automatically deposited into your savings account. A little change can go a long way over time!

Have a Question?

Frequently Asked Questions

Can I open a Checking or Savings Account online?

Yes! You can open any savings or checking accounts online, from the comfort of your home. Quick, easy and effortless!

What do I do if I discover fraud on my debit card?

When it comes to fighting fraud and resolving problems, we're in this together. If you ever suspect fraudulent activity, please call 877.265.9594. For cardholder support after 6:00 p.m. MST, please call 866.664.9364.

What do I do if my debit card is lost or stolen?

If your debit card is lost or stolen, please contact us as soon as possible. For after-hours lost or stolen debit card support, please call 800.528.2273 or 812.647.9794 (international cardholders).

What Checking Accounts do you offer?
  1. CashBack Checking Account: You can earn cash back for using your debit card. Ultimately, you’ll like how we’ve transformed the traditional checking account into something different - and better. This checking account is hassle-free and essential.
  2. Lopes Checking Account: Swipe and share your GCU pride with our MasterCard debit card featuring Thunder the Antelope. Plus, with each swipe of the GCU card, we’ll donate to the Students Inspiring Students Scholarship Fund. Members also have the ability to Round-Up Savings to the nearest dollar.
  3. Try Again Checking Account: Need a second chance at managing your checking account? Are past account issues making it impossible to open an account now? With a Try Again Checking Account, you can start to build a new history of responsible money management.
What are your Checking Account fees?

CashBack Checking does not carry a monthly fee if the member is enrolled in eStatements. For members who prefer paper statements, a $2 monthly fee will be assessed to their account, except for those members over the age of 65 or 17 years of age and younger.

Where is information on earning cash back with CashBack Checking?

You can find the CashBack Checking Account terms and conditions here.

What do I need to open a Checking Account in-person or online?
  1.  Must be 18 years or older.
  2.  Have a Savings Account by meeting the guidelines for membership.
  3.  A primary form of identification such as a state issued drivers license or ID card, military ID or dependent ID, government issued ID, passport, matricula consular card, student ID, birth certificate or social security card.
  4. A minimum opening deposit of $25.
  5.  Proof of address.
Do I have to be a GCU student to open a Lopes Checking Account?

No, you do not need to be affiliated with Grand Canyon University to access the benefits of a Lopes Checking account. 



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Lopes Checking Account Disclosures

1Upon request, requires credit approval.

2We will round up your debit card purchases (signature and PIN) to the nearest dollar and transfer the difference from your Lopes Checking to your Primary Savings account once each day in a single transfer (Round-Up Savings) we may cancel or modify the Round-Up Savings feature at any time without prior notice. We will aggregate the rounded up amount accumulated each day and post to your Lopes checking account at the end of the business day. A single transfer will be made to the primary member's Primary Savings account at the end of the business day. If on a business day you do not have sufficient funds in your checking account, or if any transaction has overdrawn your checking account, we will not round up purchases posted on that business day and we will cancel the Round-Up Savings transfer for that day. If your debit card purchase is subsequently canceled or reversed, the corresponding Round-Up Savings transfer will remain in the savings account. Round-Up Savings is only available on the debit card linked to your Lopes checking account. You understand this feature will cause all non-even debit card transactions (signature and PIN) made by you or a joint owner of your Lopes checking account to round up to the nearest dollar and transfer the difference from your Lopes checking account to your Primary Savings account. Should you have questions regarding or choose to cancel the Round-Up Savings feature, please notify us at any time.

3Lopes checking does not carry a monthly fee if member is enrolled in eStatements. For paper statements, a $2 monthly fee will be assessed to their account, except for those members over the age of 65 or under the age of 17. Interest is not paid on Lopes Checking account.

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