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Checking built for real life. Go.

Interest-bearing checking account that flexes with you. Get paid up to 2 days early3, earn up to 1.50% APY1 and get overdraft coverage up to $1002 with no fee. All with no monthly service charge.

Open Ascend Go

$1 to open - No monthly service charges - Member FDIC

Open in 3 min

You're covered between paychecks.

Cover Me is overdraft privilege without the punishment. When a purchase runs a little past your balance, we cover you up to $100 so the moment doesn’t turn into a fee, a decline, or a headache.

  1. Set up direct deposit – Route your paycheck or benefits and get paid up to 2 days early.
  2. We cover you up to $100 – Make a debit purchase or withdrawal that runs past your balance and we cover it, fee-free.
  3. It settles itself – Your next deposit automatically clears the balance. No interest, no overdraft fee, no catch.

Cover Me $100 fee-free overdraft

Earn up to 1.50% APY

Get paid early

Open in under 3 min

Modern banking. Built to flex.

Real life happens and timing gaps are normal. Ascend Go gives you a little breathing room, real rewards, and tools that keep up with the way you actually live, spend, and move.

2Cover Me flexibility

Overdraw your account by up to $100. A no-penalty buffer for those in-between moments.

Cover Me available 30 days after account opening.

Features & Benefits

Get paid early
Set up direct deposit and your paycheck or government benefits can land up to two days early. Keep moving instead of waiting on payday.
Earn up to 1.50% APY1
Put your everyday money to work. Meet a few simple monthly requirements and your balance earns a rate most checking accounts don’t come close to.
Visa® Debit Card with rewards
Tap, swipe, and earn. Free Visa® debit card with rewards on purchases, mobile-wallet ready, plus ATM fee rebates.
Mobile-first control
Card controls, instant alerts, fraud protection, budgeting insights, and free credit-score tools through SavvyMoney, all in your pocket.
A real bank, not a fintech
Trusted local community bank. Real people, modern experience, and FDIC insurance behind every dollar.
Add a High-Yield Savings and grow even faster5
Ascend Go handles your everyday spending. A High-Yield Savings account handles your what-ifs, so the next surprise meets a cushion.
- No monthly fees, no minimum balance, $1 to open.
- Move money instantly between checking and savings.
- Set multiple goals: emergencies, travel, whatever's next.
More Information

Good to Know

Questions, answered

Cover Me lets you overdraw your Ascend Go account by up to $100 without an overdraft fee. Make a transaction that exceeds your balance and we’ll cover you. Your next deposit pays it back automatically. Cover Me becomes available 30 days after opening, provided the account stays in good standing.*

Each monthly statement cycle, make at least 5 debit card purchases, have direct deposit of your payroll or government benefits of at least $250, and stay enrolled in both digital banking and electronic statements. Meet all four and your balance earns 1.50% APY. Miss them in a given month and the rate is 0.02% APY for that cycle—no fee or penalty.

Just $1 to open, with no monthly service charge. You also get a free Visa Debit Card, debit rewards, and ATM fee rebates.

If you want your savings to grow, yes. Our High-Yield Savings earns one of the highest savings rates in the nation with with no monthly fees and no minimum balance. View this Ascend page for more information.

Disclosures

Account Description

Ascend Go is a variable rate checking account with no minimum balance requirement that rewards account holders with a higher interest rate and a limited overdraft privilege courtesy when they meet minimum qualifications.

Available for individuals 18 years or older. $1.00 minimum deposit is required to open. Ascend Go may not be used for commercial purposes and there is a limit of one (1) account per tax reporting owner.

There are no recurring monthly service charges associated with this account. See our Schedule of Fees for other fees that may apply.

1Earn 1.50% Annual Percentage Yield (APY) on your Ascend Go checking balance for any statement cycle in which you complete all of the following:

· At least five (5) debit card transactions post and settle

· Direct deposit of payroll or government benefits of $250 or more is received

· Enrollment in both digital banking and electronic statements is maintained.

If these requirements are not met in a given statement cycle, the account earns 0.02% APY for that cycle. Rates are variable and subject to change at any time based on market conditions. APY’s are accurate as of date of publication.

2Cover Me Overdraft Privilege: The Cover Me overdraft feature is available 30 days after account opening, provided the account is open and maintained in good standing. Cover Me allows eligible Ascend Go accounts to overdraw their balances by up to $100 without an overdraft fee. Coverage is subject to eligibility, account history, transaction type, and program terms. Please see full disclosure. Ascend Bank may modify, suspend, or discontinue the Cover Me feature at any time.

3Get Paid Early: Early access to direct deposit depends on the timing of payment instructions from the payer and is not guaranteed. Ascend Bank generally makes these funds available on the day the payment instruction is received, which may be up to two days earlier than the scheduled payment date.

4ATM Withdrawal Rebates & Rewards: Account must be open during full account statement cycle to receive ATM withdrawal charge rebates. Accounts closed prior to a full statement period are not eligible for ATM fee rebates. Ascend Bank Rewards program requires enrollment and is subject to program terms. Earn 1 point for every $4 spent on purchases.

5High-Yield Savings: Is a variable rate, tiered statement savings account. $1.00 minimum daily balance to open and obtain disclosed APYs. Available to open online only. Digital banking and eStatement enrollment required. Rates are subject to change at any time.

Member FDIC

Less stress. More flexibility. Let's go.

Open Ascend Go Open Savings Only