Checking

Earn Well Checking Account

Get more from your checking with high dividends and ATM fee refunds!*

Earn Well isn’t just your typical account. It’s a new way to bank with really high dividends you can earn just for doing easy banking activities, like signing up for eStatements. You’ll also get ATM refunds all over the country and 24/7 account access through online and mobile banking.

Summary

• Free checking that pays high dividends

• 2.50% APY* on balances up to $25,000

• 0.24% interest rate on the portion of balances over $25,000*

• 0.01% APY* if qualifications aren't met

• Refunds on ATM withdrawal fees nationwide (up to $15 monthly)*

• No monthly service fee

• No minimum balance to earn rewards

• Free online banking with bill pay

• Free mobile banking with mobile deposit

• Free eStatements

• Free Mastercard® Debit Card

• Access to nationwide surcharge-free ATMs via Co-op™ and CU Pass ATM Networks

• Unlimited check writing

• $25 minimum deposit to open

Banking basics are your key to earning rewards!

We mean it when we say it’s easy to earn your rewards. All you have to do is use the free services that come with your account — which you probably already do anyway. To earn your rewards, just do the following transactions and activities in your Earn Well Checking account during each Monthly Qualification Cycle:

• Have at least 12 debit card purchases post and settle

• Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle

• Be enrolled in and agree to receive eStatements

That’s it! Even if you don’t meet your qualifications during the cycle, your Earn Well checking account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next month!

Open an account in minutes!

*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, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based or signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "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 account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 2.50%; and balances over $25,000 earn 0.24% interest rate on the portion of balance over $25,000, resulting in a range from 2.50% to 0.70% APY depending on the account's balance and (2) you will receive reimbursements up to an aggregate total of $15 (max. $5.00 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Earn Well qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Earn Well account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 11/03/2016. 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, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service 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.

Spend Well Checking

Shop ‘til you drop — guilt free — with up to $90 of cash back per year!*

Opening a free Spend Well Checking Account means never having to say you’re sorry for shopping splurges. You’ll earn 2.50% cash back* when you use your debit card to make purchases on anything, not just gas and groceries. And with refunds from ATMs all over the country, you’ll never have to worry about withdrawing cash. Open your account online today!

Summary

• Free checking that pays you back

• 2.50% cash back on debit card purchases*

  • No category restrictions on purchases

  • Cash back earned on up to $300 in purchases monthly

  • Earn up to $90 cash back per year, $7.50 per month

• Refunds on ATM withdrawal fees nationwide (up to $15 monthly)*

• No monthly service fee

• No minimum balance to earn rewards

• Free online banking with bill pay

• Free mobile banking with mobile deposit

• Free eStatements

• Free Mastercard® Debit Card

• Access to nationwide surcharge-free ATMs via Co-op™ and CU Pass ATM Networks

• Unlimited check writing

• $25 minimum deposit to open

Banking basics are your key to earning rewards!

We mean it when we say it’s easy to earn your rewards. All you have to do is use the free services that come with your account — which you probably already do anyway. To earn your rewards, just do the following transactions and activities in your Spend Well Checking account during each Monthly Qualification Cycle:

• Have at least 12 debit card purchases post and settle

• Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle

• Be enrolled in and agree to receive eStatements

That’s all! Even if you don’t meet your qualifications during the cycle, your Spend Well Checking account is still free. And you can get right back to earning your cash rewards the very next month!

Open an account in minutes!

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