Open a Checking Account
Rewards+ Checking1
- Free checking that pays you back
- Earn 10.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to your first $100 in purchases monthly
- Earn up to $120 cash back per year, $10 per month
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free Online and Mobile Banking with bill pay
- Free eStatements
- Free Mastercard® Tap-to-Pay Debit Card
- $25 minimum deposit to open
- Buy Now, Pay Later
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Use your debit card whenever and wherever you shop
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Manage your budget by spreading larger expenses over time
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Review and manage all plans, offers and payments in one place
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Qualifying for Rewards+ Cash Back Is Easy!
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Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards+ Checking account during each Monthly Qualification Cycle:
- At least 12 debit card transactions
- Be enrolled in and log into online banking at least once per month
- Enroll and receive monthly eStatement
Don’t worry if you don’t meet these qualifications— your account is still free. Plus, you can get right back to earning your cash rewards the very next cycle that you qualify.
Ultimate Checking is loaded with the following features:
- Earn Dividends
- Unlimited CO-OP ATM and Branch Access
- Online and Mobile Banking
- Low $5.95 monthly fee ($4.95 for members age 65 and over)
- IDProtect® - Identity Theft Protection
- Identity theft monitoring and resolution service1 for you
- Identity Theft Expense Reimbursement Coverage2 Includes Credit File Monitoring, Credit Report, and Resolution Service
- Debit and Credit Card Registration
- Credit File Monitoring
- Credit Report and Score3
- Credit Score Tracker
- Credit Score Simulator3
- Dark Web Monitoring
- Cellular Telephone Protection2
- Covers up to four phones listed on the cell phone bill
- Covers damage or theft
- Up to two claims per eligible account, per twelve-month period
- Up to $600 per claim
- $50 deductible per claim
- Cell phone bill must be paid using primary member's Ultimate Checking account
- Roadside Assistance Service2
- 24-hour coverage for roadside assistance services, including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence
- Maximum of two occurrences per twelve month period
- Buy Now, Pay Later
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Use your debit card whenever and wherever you shop
-
Manage your budget by spreading larger expenses over time
-
Review and manage all plans, offers and payments in one place
-
Classic Checking
- No monthly fees and no minimum deposit requirements
- Unlimited CO-OP ATM and Branch Access
- Online and Mobile Banking
- Buy Now, Pay Later
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Use your debit card whenever and wherever you shop
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Manage your budget by spreading larger expenses over time
-
Review and manage all plans, offers, and payments in one place
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Checking account eligibility is subject to age and ChexSystem verification.
1Rewards+ Checking:
Minimum Balance and Deposit Requirements: The minimum deposit required for you to open a Rewards+ Checking Account is $25.00. You must maintain the minimum balance of $.01 to obtain the annual percentage yield stated on the Deposit Rates Sheet. Rewards: To be eligible to earn rewards, account owner(s) must:
• Complete a minimum of 12 debit card or point-of-sale transactions each calendar month;
• Be enrolled in eStatements; and
• Log onto Online Banking at least one time each calendar month.
Rewards include:
• Up to $25 ATM fees reimbursed on the last day of the month for out-of-network ATMs.
• 10% of debit card transactions and point-of-sale transactions up to $10 earned at the end of each calendar month.
The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by the Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by the Credit Union. Transactions bundled together by merchants and received by the Credit Union as a single transaction count as a single transaction for the purpose of earning account rewards. If the account does not qualify for rewards for three consecutive calendar months, the account will be converted to the Classic Checking Account.
Ultimate Checking:
1Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
3You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on single bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
4Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
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