AmeriCU’s 7.00% APY High Rate Checking Account*
This dividend-bearing checking account is designed for those who maintain a higher balance and are looking to earn more on what they have. With our 7.00% APY and numerous other perks, your balance will work harder for you.
- Earn 7.00% APY on your first $10,000*.
- Get paid one day early with qualifying direct deposit**.
- No minimum balance to open.
- ATM Rebates available3.
- eStatement enrollment required.
- 12+ debit signature swipes/month required to qualify for dividends.
- Minimum $5,000 loan in good standing required (not including credit cards or student loans). The rate is 6.00% APY without a loan.
AmeriCU 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!
AmeriCU Checking Account Benefits
All AmeriCU Checking Accounts
Freedom Checking
An economical, convenient, and free checking solution designed for members who use their account primarily to pay bills.
- No minimum balance
- No monthly fees
- Qualifies for direct deposit one day early
- Debit card and ATM access
High Rate Checking
This dividend-bearing checking account is designed for those who maintain a higher balance and are looking to earn more on what they have. With our 7.00% APY and numerous other perks, your balance will work harder for you.
- Earn 7.00% APY on your first $10,000*.
- Get paid one day early with qualifying direct deposit**.
- No minimum balance to open.
- ATM Rebates available.3
- eStatement enrollment required. 12+ debit signature swipes/month required to qualify for dividends.
- Minimum $5,000 loan in good standing required (not including credit cards or student loans). The rate is 6.00% APY without a loan.
Rewards Checking
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
Health Savings Account (HSA)
Enrolled in a High Deductible Health Insurance plan through your employer? You could be eligible to open an HSA for qualifying medical expenses.
- Make tax-deductible contributions into your single or family account
- Accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses
- Earn dividends on account balances of $25 or more
- Roll over funds from year to year (and help establish a long-term investment alternative)
- Qualifies for direct deposit one day early
- Debit card and ATM access
Fresh Start Checking^
Had trouble managing a checking account in the past? This solution is designed to get you back on the road to financial health.
- Fresh Start Checking, or
- Fresh Start Basic
- Qualifies for direct deposit one day early
- Debit card and ATM access
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 |
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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^Fees and restrictions apply. For more information and eligibility requirements, visit your local Financial Center today.
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.
**If you are an AmeriCU Checking, Savings or Money Market accountholder that has set up a direct deposit with a payor, you may qualify for direct deposit one business day early. Whether a direct deposit is eligible is at our discretion and we cannot guarantee that you will always receive the one-day early service.
3 When requirements are met, 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.
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.
4 You will receive 10,000 Bonus Reward Points applied to your account when you have at least one recurring direct deposit, bill payment or ACH credit per month in the first 90 days of your account being opened.
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.