CloseEnuff^® Checking

If you’re already a member, no! It’s active and already available on your orsa debit checking account right now! If you’re not a member, just open an account here. It only takes 5 minutes to sign up and take back control of your cashflow!

Absolutely not! This is a no-monthly-fee checking account designed to reduce fees, not add them. That said, it’s only $5 to start and (minimized) fees will apply if your account is overdrawn by greater than $50.* Because fifty bucks on up is no longer close enuff!

It sure is! If you accidentally go over your balance by up to 50 bucks, relax, we won’t charge you any silly fees. Why? Because it’s CloseEnuff!

That said, if you do happen to go over the $50 buffer cushion, we're still looking out for you. Because we’re one of the first in Michigan to completely eliminate the balance transfer fees and reduce the Non-Sufficient Funds (NSF) fee to the bare minimum of $9. Which is all you’ll pay if you do go over the $50 CloseEnuff overdraft protection buffer.

It’s super simple!

• Make purchases with debit card
• Check “Buy Now. Pay Later” in your orsa Digital Banking app up to 60 days after the purchase
• View available offers on eligible purchases
• Decide which purchases to split over time
• Select the installment plan that works for you
• See your purchase amount deposited back into your account within 24 hours!

Instead of sitting around waiting for a paycheck that we know is coming, we’re simply turning the “pending” status to “available” so we can put your cash in your pocket up to two days earlier. There's no fee to use this feature, and it's automatic!

Because we believe that your money should be your money, as a for-impact financial institution owned by our members, we built CloseEnuff to keep your money where it belongs: in your control. It does this in three main ways:

Cutting fees

We’re one of the first in Michigan to eliminated balance transfer fees to protect our members’ cashflow as much as we can. Fewer fees means more cash in your account.

• We’ve completely eliminated balance transfer fees and reduced the non-sufficient funds fee (NSF) to the absolute minimum, from $25 to $9, which all you’ll pay if you go beyond the $50 overdraft buffer. Overdrawn by under 50 bucks? No worries! That’s CloseEnuff, we won’t charge you at all.
• No monthly fee checking.
• No debit card fee checking.
• No ATM fee checking.

Enhancing purchasing power

Nothing is more stressful than having to wait until payday to get the stuff you need now. We want to make sure that you’ve got the money you need right when you need it. That’s why we included:

• Early Pay to get you your paycheck up to two days earlier.
• Buy Now. Pay Later to let you switch eligible big buys into smaller, easier to handle payments up to 60 days after the purchase.
• grow & give to boost your savings stash by rounding up everyday purchases to the nearest dollar and depositing that spare change right into your savings account.
• Earn gift cards when you spend with Bennys Rewards on your orsa debit card.
• Cutting out fees that would otherwise drain your account. See above!

Boosting flexibility and control

It's your money, you should be able to use it when and how you want.

• Getting you your paycheck sooner with Early Pay and making it faster & easier to control your direct deposit right from our app... no HR required.
• Flexible Buy Now. Pay Later to give you the power to choose when and how to pay for large eligible purchases.
• No minimum balance checking requirements.
• No direct deposit restrictions.

Plus, the boosting doesn't stop there. If you choose, you can also seamlessly connect your CloseEnuff checking to your savings accounts, especially High Yield Savings, with grow & give and the 52-Week Savings Challenge. All with the goal of not only boosting your cashflow, but also automatically growing your cash to boot!

It’s why we believe that CloseEnuff checking is the best full-featured checking account in Michigan. And we hope you do too.

If you are an existing member who previously opted in and qualified for Courtesy Pay, the cushion has increased from $5 to $50. Huzzah!

We think so! And we hope you do too.

CloseEnuff^™ checking is designed to boost your cashflow by keeping your money where it belongs—in your account. So we’ve cut, reduced, and eliminated all kinds of fees to save you more. Including charging only a bare minimum fee for overdrafts that go beyond our $50 buffer.

Overdraft balance transfer fee? Eliminated.

We’ve completely eliminated the overdraft balance transfer fee, so when your CloseEnuff^™ checking account is linked to an orsa savings account with overdraft protection turned on, you won’t pay anything when it kicks in… Because it automatically pulls from your savings to cover a checking overdraft. No muss. No fuss.

You can even turn on overdraft protection right from digital banking, if it’s not activated already!

Non-sufficient funds (NSF) fee? Minimized as much as possible.

If you do not have an orsa savings account with overdraft protection turned on and are not enrolled in Courtesy Pay, an overdraft of more than $50 will result in an NSF fee of $9 and the transaction will be declined. Avoid this by making sure that overdraft protection is on and that you’re enrolled in Courtesy Pay through digital banking.

Courtesy Pay fee? None for overdrafts $50 and under.

If you are enrolled in our Courtesy Pay program and try to make a purchase that will overdraft your account, the transaction will be processed and orsa will cover the difference so long as it’s within your account’s Overdraw Tolerance limit.

Your account will be overdrawn by the amount borrowed from orsa. When you overdraft by $50 or less, there’s no fee! That said, any amount over $50 incurs a $25 Courtesy Pay fee for each transaction up to a maximum of three times per day.