Reward Checking

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Turn the tables on “traditional” checking account and instead get paid to bank your way! Reward Checking account pays high dividends and nationwide ATM fee refunds* every month. To earn your rewards, you just need to do a few banking basics that will save you time and money.

With Reward Checking, you can do more with your money — for free. Plus, you can even link your Reward Checking to a REAL Saver account to receive automatic deposits of your checking rewards every month. So while other banks are adding more fees, we're making our checking account pay you!

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Summary
  • Free checking that pays high dividends monthly
    • 2.03% APY* on balances up to $10,000
    • 2.03% to 0.23% APY on balances over $10,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $15 monthly)*
  • Link to REAL Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free MasterCard® debit card
  • Direct deposit included
  • $25 minimum deposit to open

Qualifications

To earn your rewards, simply do the following activities and transactions in your Reward Checking account each monthly qualification cycle:

  • Have at least one (1) direct deposit transaction post and settle
  • Have at least 15 debit card purchases post and settle
  • Have at least one (1) automatic payment (ACH) or bill pay post and settle
  • Receive eStatements

It's really that easy! And even if you don't meet the qualifications one month, you can get back to earning your rewards the very next month.

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts and debit-card transactions processed by merchants and received by us as ATM transactions. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  Reward Information: When your Reward Checkingaccount qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $9.999.99 receive APY of 2.03%; and balances over $10,000 earn 0.047% interest rate on the portion of balance over $10,000, resulting in a range from 2.03% to 0.23% APY depending on the account’s balance and (2) you will receive reimbursements up to $15.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher. When Reward Checking qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded.  Dividends and ATM fee reimbursements will be credited to your Reward Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs mentioned above are accurate as of 01/01/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.  Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  $25 minimum deposit is required to open the account. Monthly Direct Deposit is a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements, may be required to meet some of the account’s qualifications.  There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. 

*See the following Account Disclosures for more details:

REWARD Checking

REWARD Checking linked to REAL Saver

The future you is celebrating!