The Perks of AmeriCU’s Rewards Checking Account
Designed for members who actively use their debit card. Earn rewards for your transactions and use those rewards toward merchandise, cash back, and more.
- Earn 1 point for every $5 spent2
- No minimum balance to open
- eStatement enrollment required
- 12+ debit swipes/month required to qualify for rewards
- ATM rebates available3
- No limit on cash back reward
- Qualifies for direct deposit one day early
4 Plus, members can earn 10,000 bonus reward points when you set up a qualifying direct deposit, recurring bill payment or ACH payment in the first 90 days!
Upgrade your Freedom Checking Account today!
Click ‘Let’s Connect’ in the bottom corner, or visit your nearest Financial Center to get started today!
Everything You Love About Freedom Checking- And Then Some
AmeriCU Rewards Checking makes everyday banking simple and stress-free:
- No minimum balance requirements
- No monthly service fees
- Free Online + Mobile Banking with Bill Pay and eStatements
- Nationwide access with thousands of surcharge-free ATMs
Upgrade to Rewards Checking today!
Click ‘Let’s Connect’ in the bottom corner, or visit your nearest Financial Center to get started today!
Earn More with AmeriRewards
Turn your everyday purchases into opportunities. With AmeriRewards, you can:
- Earn cash back on purchases
- Redeem points for fuel savings at the pump
- Shop and save with exclusive deals from your favorite retailers
- Use rewards for travel, merchandise, gift cards, and more
Already Have Freedom Checking? Upgrade With Ease!
Love your Freedom Checking Account but want to earn more? Upgrading to AmeriCU Rewards Checking is quick, simple, and hassle-free.
When you switch, you’ll keep:
- Your same account number – no need to update your payroll or automatic payments
- Your same debit card – continue using it as you always have
- All the benefits you already enjoy – like no monthly service fees and free digital banking
The only difference? You’ll start earning rewards on everyday purchases through our AmeriRewards program – cash back, fuel savings, travel, and more.
For more information, please visit your nearest financial center or click ‘Let’s Connect’ in the bottom corner to get started today!
Get Rewarded Even When You’re on the Go
With AmeriCU Rewards Checking, you won’t have to worry about those extra fees if you ever need to use an ATM outside of our network. We’ve got you covered.
- Up to $25 in ATM fee rebates each month when you use foreign ATMs3
- Access to thousands of surcharge fee ATMs through the CO-OP ATM Network
- The freedom to bank anywhere, without the added costs holding you back
Get Started with Rewards Checking
Visit your nearest Financial Center or click ‘Let’s Connect’ in the bottom corner to get started today!
Compare Checking Accounts
| Freedom Checking | High Rate Checking | Rewards Checking | |
|---|---|---|---|
| Monthly Fee | — | — | — |
| Minimum Balance | — | — | — |
| Dividend Earning | — | 7% APY on balances up to $10,000* | — |
| AmeriREWARDS | — | — | 1 pt. for every $5 spent on qualifying purchases2 |
| Refunds on ATM Fees | — | Up to $25/month3 | Up to $25/month3 |
| AmeriCONNECT Visa Debit Card | FREE | FREE | FREE |
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Online + Mobile Banking
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Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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AmeriCU High Rate Checking Account Disclosures
*Annual Percentage Yields (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on balances up to $10,000 and 0.15% to 7.00% APY on balances over $10,000 in your account by meeting the below three requirements:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements;
3. Have a minimum $5,000 loan in good standing (not including credit cards or student loans. The rate is 6.00% APY without a qualifying loan.)
If you don’t meet the above requirements, you will earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000.
We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.
AmeriCU Rewards Checking Account Disclosures
2 To earn rewards from AmeriCU’s Rewards Checking account, members must:
Make 12 or more debit signature swipes per monthly statement cycle;
Be enrolled with eStatements.
Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.
3 We will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.