FREE Reward Checking

There's gold in them mountains...but it's a heck of a lot easier to get free money from Advantage Plus Federal Credit Union. Our FREE Reward Checking account pays a whopping 2.25% APY* and ATM fee refunds**—not just in Pocatello and Idaho, but nationwide!

There's never a minimum balance, and earning the highest interest rate is as easy as turning on your computer or using your debit card. So for free money, either head into the mountains and grow a three- foot beard panning for gold, or sign up for FREE Reward Checking!

FREE Reward Checking
Summary

Qualifications

It couldn't be easier to qualify for the reward rate and ATM fee refunds**. Simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear
  • Access online banking
  • Receive eStatements
  • Have at least one automatic payment, direct deposit or bill pay transaction post and clear.

You're probably doing these already! And even if you don't complete these steps in a monthly qualification cycle, FREE Reward Checking is still completely free and earns dividends at our base rate.

And now….the same information in the language of legalese:

*Annual Percentage Yield (APY) accurate as of 12/31/10. Rate tiers for FREE Reward Checking are as follows: 2.25% APY applies to balances of $.01 - $15,000 and 0.50% APY applies to balances over $15,000 as long as qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 2.25% - 0.50% APY if monthly qualifications are met. Rates may change after the accounts are opened. Fees may reduce earnings. No minimum balance required to earn rewards. No monthly service fee. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying ACH transactions. Available to personal accounts only. One FREE Reward Checking account per member.

**Unlimited nationwide ATM fee reimbursements provided only if qualifications are met within the monthly qualification cycle.

Statement Cycle FAQs

What is the monthly statement cycle for Reward Checking?

  • The statement cycle is monthly from the first day of the month through the last day of the month.

What is the monthly qualification cycle?

  • A period beginning one-business day prior to the current statement cycle through one business day prior to the close of the current statement cycle.

Will all Reward Checking members be on the same monthly statement cycle?

  • Yes

If an existing member is moved to a Reward Checking account, will his/her statement cycle change?

  • Yes

Can I do transactions on the last day of the month and still qualify for that month?

  • No, the last day of the month transactions will help you qualify for the next following monthly qualification cycle. Your qualifying transactions for the current qualification cycle are the transactions of the last day of the month prior to the day before the last day of the current qualification cycle.
  • Apply Now