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Free checking is good. But free checking that pays you? Well, that's even better.

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Key Features

  • High Dividends1
  • Refunds on ATM Withdrawal Fees3
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
  • Earn competitive dividends on your entire balance:
    • 2.00% APY1 on average daily balances up to $15,000
    • 2.00% to 0.48% APY on average daily balances over $15,000 depending on balance in account2
    • 0.10% APY if qualifications aren't met
  • Unlimited ATM fee refunds nationwide if qualifications are met3
  • No monthly service fee
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free telephone banking
  • Free Visa® debit card
  • Increase on new Term Share Certificates rates4
  • Reduction on consumer loan rates5
  • No minimum deposit to open

Reward Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your nHanced Checking account during each Monthly Qualification Cycle. "Monthly Qualification Cycle" refers to the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

  • At least 1 Bill Pay, direct deposit, or ACH payment transaction (applies to your nHanced Checking account only)
  • At least 12 debit card purchases (ATM transactions excluded)1
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your 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 cycle that you qualify.

  • Available to personal accounts only
  • Only one (1) nHanced Checking account per Taxpayer Identification Number.
  • Must have at least five (5) approved services to qualify for nHanced Checking. Classification as nHanced may be lost if the number of approved services used by the member falls below the minimum.
  • Additional fees may be incurred for the following items: check orders, Overdraft Privilege fees, Returned Item fees, Insufficient Funds fees, Transfer fee, Statement Copy fees (other fees may apply). Imposition of these fees may result in reduced earnings on your account.
  • FAQs
  • 2020 Qualification Cycles
  • Disclosures

Additional Account Information:

Available to personal accounts only

Only one (1) nHanced Checking account per Taxpayer Identification Number.

Must have at least five (5) approved services to qualify for nHanced Checking. Classification as nHanced may be lost if the number of approved services used by the member falls below the minimum.

Additional fees may be incurred for the following items: check orders, Overdraft Privilege fees, Returned Item fees, Insufficient Funds fees, Transfer fee, Statement Copy fees (other fees may apply). Imposition of these fees may result in reduced earnings on your account.

1APY=Annual Percentage Yield. APYs accurate as of July 01, 2020. The interest rate and the APY may change daily after account is opened based on the determination of the credit union board of directors. No minimum deposit to open. If qualifications are met each Monthly Qualification Cycle: 1. ATM fees incurred during Qualification Cycle will be reimbursed and credited to account on the last day of monthly statement cycle; 2. balances up to $15,000.00 receive an APY of 2.00%; and 3. balances over $15,000.00 earn a Dividend Rate of 0.25% on portion of balance over $15,000.00, resulting in an APY of 0.48-2.00%, depending upon the balance. Qualifying transactions must post to and settle account during Monthly Qualification Cycle. Transactions may take one (1) or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" is not the same as monthly statement cycle. Fees may reduce earnings. Only one (1) nHanced Checking account per Taxpayer Identification Number. Must have five (5) approved ATCU services to qualify for nHanced Checking. Classification as nHanced may be lost if the number of approved services used by the member falls below the minimum.

A posted transaction occurs when funds are actually withdrawn from the account. Posted debit purchases may vary by merchant; therefore, we have no control over these delays. Reversed debit card purchases will not count toward the required total. Debit card transactions processed by merchants and received as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received as POS transactions count towards qualifying debit card transactions.

2Balances over $15,000 earn a Dividend Rate of 0.25% on the portion of the balance over $15,000, resulting in an APY range of 2.00%-0.48% depending on the balance.

3Unlimited ATM fee refunds per Monthly Qualification Cycle when requirements are met. ATM receipt must be presented within sixty (60) days of the transaction for reimbursement of an individual ATM fee of $5.00 or higher.

4Subject to credit union terms and conditions.

5Rates may vary depending on credit worthiness. Terms and conditions are subject to change without notice. All rates are subject to change without notice. Some restrictions may apply.

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