AmeriCU’s Rewards Checking earns
1 point for every $5 spent.1
1 point for every $5 spent.1
Redeem those rewards at checkout, for merchandise, even unlimited cash back. Plus, there’s no limit to your reward points! The more you swipe — the more you’ll earn!1
Get Paid A Day Early
All members with a qualifying direct deposit* receive their paycheck one business day early, no enrollment required!
ATM Rebates Available
We will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.2
Easy Account Access
Access to more than 30,000 Surcharge-Free ATMs and 5,000 Shared Branches Nationwide through the CO-OP Network.
Earn While You Swipe
Using your AmeriCONNECT Visa Debit Card on your everyday purchases has never been more interesting! 12+ Debit Signature Swipes per month qualify you to earn rewards for your everyday purchases.
Compare Accounts
| Freedom Checking | High Rate Checking | Rewards Checking | |
|---|---|---|---|
| Monthly Fee | — | — | — |
| Minimum Balance | — | — | — |
| Dividend Earning | — | 4% APY on balances up to $10,0001 | — |
| 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 |
What are you waiting for?
Open an account from wherever you are. Our Virtual Financial Center teammates are ready to help!
Click ‘Let’s Connect’ in the bottom-right hand corner to get started.
*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.
**Fees and restrictions apply. For more information and eligibility requirements, visit your local Financial Center today.
AmeriCU High Rate Checking Account Disclosures
1 Annual Percentage Yields (APY) are current as of March 12, 2024 and rate may change after the account is opened. Earn 4.00% APY on balances up to $10,000 and 0.15% to 4.00% APY on balances over $10,000 in your account by meeting the below two requirements:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements.
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.
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. Member Privilege is available to those who qualify.
AmeriCU Rewards Checking Account Disclosures
2 To earn rewards from AmeriCU’s Rewards Checking account, members must:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. 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 When requirements are met, 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. Member Privilege is available to those who qualify.