Checking & Spending

¹APY is Annual Percentage Yield. Rates subject to change at any time. Limit one account per Social Security Number. To earn higher interest rate member must: 1) be enrolled in eStatements, 2) have a minimum qualified $1,500 direct deposit of salary, pension, Social Security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by employer or an outside agency and 3) Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared within a given statement cycle (minimum $3.00 per purchase). Accounts closed within 6 months of opening incur a $25 fee.

²Inactive Account Fee: $5 per month for checking with $1,000 or less, no activity for 1 year and is over age 24.

³Monthly cashback bonus up to $10 is based on the total amount of net signature-based or PIN authorized Ideal Debit Card purchases made during any statement cycle. ATM transactions do not apply.

⁴Does not include other ATM Owner Fees i.e. surcharge fees. Transactions include cash withdrawals, deposits, transfers, and balance inquiries. For example, if a member requests a balance inquiry prior to a cash withdrawal, the balance inquiry and cash withdrawal count as two transactions.

⁵Waived for members 55+. Limit 1 box per order, 2 per calendar year.

⁶Member may receive a paper statement for first month.

⁷Inactive Debit Card Fee: $6 if not used minimum 1 time per month.