We believe banking should be easy to understand, simple to manage, and built around the way you use your money. Our seriously simple checking accounts are designed to meet a wide range of member needs — from no-fee accounts to those that reward everyday banking and offer fee waivers when you meet easy qualifiers.
Learn more about our seriously simple checking lineup from Brand Ambassador, Always, August.
Rewards+ Checking
2.00% APY* Checking – Get Rewarded for Everyday Banking
A digital-first, high yield option for engaged members.
- 2.00% APY* on balances up to $10,000
- 0.050% APY* balances over $10,000
To qualify for dividends, and avoid a monthly fee, you must each month:
- Be enrolled in eStatements and log in to digital banking monthly, and
- Meet two of the following:
- Direct deposits totaling at least $1,000 to your Rewards+ Checking each month
- Make 12 debit card point of sale or online purchases using your Rewards+ Checking debit card.
- A non-revolving personal loan with a balance of $10,000+
- An active mortgage in good standing
A $5.95 Monthly Maintenance Fee** applies if qualifications are not met. This fee is waived for members 18-24.
*APY= Annual Percentage Yield. For Rewards+ Checking accounts, may qualify for monthly dividends if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) be enrolled in e-statements; 2) log into online banking once per qualification cycle; and 3) have a combination of two of the following: electronic deposits into the account of at least $1,000.00, 12 point of sale or online purchases using the Rewards+ debit card posted and settled during the monthly qualification cycle, hold a non-revolving personal loan with a balance of $10,000.00 or more, or have an active mortgage loan. Refunded or returned debit card purchases will be subtracted from your monthly transaction count used to qualify for rewards. Additionally, micro-deposits and prenotes do not count toward the electronic deposit requirement. The monthly qualification cycle is defined as the first calendar day of the month to the last calendar day of the month. The Rewards+ Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply if your balance is from $10,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is from $10,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. **A $5.95 Monthly Maintenance Fee will apply in any month the qualifications are not met. This fee will be waived for the first two statement cycles after account opening. The fee is also waived for members aged 18-24. There is a limit of one Rewards+ Checking account per member. Checking dividend are subject to change monthly without prior notice. Consumer accounts only. Other restrictions may apply.
Rewards Checking
Earn Dividends and Enjoy Added Perks
A flexible account that lets you earn dividends — and enjoy more value from your everyday banking.
- Earn .050% APY* on balances over $250 when you meet a few simple monthly qualifiers.
- Unlock a higher dividend rate, 0.075% APY* when your combined checking and savings balances total $2,500 or more.
- One free box of checks per calendar year
To qualify for dividends, and avoid a monthly fee, you must each month:
- Be enrolled in eStatements, and
- Do one of the following:
- Have at least $50 in direct deposit in your Rewards Checking, or
- Make 6 debit card point of sale or online purchases using your Rewards Checking debit card.
A $3.95 Monthly Maintenance Fee** applies if qualifications are not met. This fee is waived for members 18-24.
*APY= Annual Percentage Yield. For Rewards Checking accounts you may qualify for monthly dividends if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) be enrolled in e-statements; and 2) have one electronic deposit into the account of at least $50 or 6 point of sale or online purchases using the rewards debit card posted and settled during the monthly qualification cycle. Refunded or returned debit card purchases will be subtracted from your monthly transaction count used to qualify for rewards. Additionally, micro deposits and prenotes do not count toward electronic deposits. The monthly qualification cycle is defined as the first calendar day of the month to the last calendar day of the month. You may qualify for an increased annual percentage yield if you maintain an aggregate daily balance of $2,500.00 in your accounts. **A $3.95 Monthly Maintenance Fee will apply in any month the qualifications are not met. This fee will be waived for the first two statement cycles after account opening. The fee is also waived for members aged 18-24. Each Rewards Checking under the same membership must meet the qualifications to earn dividends and avoid the monthly maintenance fee. Checking dividend are subject to change monthly without prior notice. Consumer accounts only. Other restrictions may apply.
Essentials Checking
Simple, Fee-Free, and Hassle-Free
Perfect for members who want an everyday account made for simplicity.
- No monthly fees or minimum balance
- No dividends
