QBoost Checking Quorum’s High-Yield Checking Account with ATM Fee Refunds and Early Direct Deposit
Use the free Debit Mastercard that comes with QBoost Checking at least 10X per month and satisfy direct deposit requirements to earn interest on all balances—big or small. Enjoy perks like monthly ATM fee refunds, early direct deposit, FREE Bill Pay and more!
Learn What Makes QBoost One of the Best High-Interest Checking Accounts
QBoost Checking is a high-yield checking account that turns every dollar in your account into an opportunity to earn interest as long as you use your debit card for purchases at least 10X per month and satisfy direct deposit requirements.
Perfect for those who value both easy access to their money and earning potential in their everyday banking.
Earn Interest on Every Dollar
No Minimum Balance Required
FREE Debit Mastercard®
No Account Fees with eStatements2
Up to $20 in Monthly ATM Fee Refunds3
2-Day Early Direct Deposit 4
Overdraft Protection Services
Federally Insured Funds
Unlimited Transactions
Requirements for Earning Interest on QBoost High-Yield Checking?
To take advantage of QBoost Checking’s high interest rate, you must satisfy the account requirements below. Remember, balances up to $5,000 earn 4.00% APY and balances greater than that earn 0.50% APY.
Open an Account
Set Up Direct Deposit
Use Your Debit Card
Remember to enroll in eStatements so you don’t incur a monthly paper statement fee of $2. Go paperless >
How to Apply for QBoost Checking Account
Apply.
Use our easy, online application to become a Quorum member and open an account with us.
Choose.
Choose QBoost Checking from the Product Selection screen,
Fund.
Once you’ve chosen the product(s) you wish to open, you’ll have the opportunity to fund your account(s) before submitting your application.
What is a Quorum membership?
As with all credit unions, in order to take advantage of Quorum’s products and services, you must be eligible to join Quorum. Quorum membership is free and part of our online application. Learn more about Quorum membership eligibility here.
What are the QBoost Account Requirements?
- Monthly aggregate direct deposits of at least $500.
- 10+ qualifying debit card transactions. Learn more >
What do I need to provide to apply for a checking account?
- You will be asked to provide a valid ID, your SSN, and banking information.
- You must be at least 18 to open an account with us online.
Log in.
Log in to your account via online banking.
Click.
Under Open, click on “Checking/Savings.”
Choose and Fund.
Select QBoostChecking from the product selection screen, then follow the prompts to fund the account and complete the application.
What are the QBoost Account Requirements?
- Monthly aggregate direct deposits of at least $500.
- 10+ qualifying debit card transactions. Learn more >
What do I need to apply?
You must be at least 18 to open an account with us online. As an existing member, you won’t need to re-submit your SSN or ID to open an additional account with Quorum.
Can I open an account via the mobile app?
Yes, simply log in to your Quorum account via our mobile banking app, select “More,” then “Open,” then “Checking/Savings” to access the application.
What Qualifies as a Debit Card Transaction for QBoost?
Using your Quorum Debit Mastercard for everyday transactions like mobile app subscriptions (think Netflix, Amazon Prime, Hulu, etc.), gym memberships, coffee runs, and grocery shopping can help you meet QBoost’s 10 monthly debit card transaction requirements effortlessly and boost your earnings.
Access your money easily with Quorum's mobile banking app.
Manage your QClassic Checking securely and with ease with Quorum’s mobile banking app. Transfer funds between accounts, send and receive money via Zelle™, deposit checks via our free mobile deposits service, pay bills, set up text or email alerts for large transactions or unusual activity, and more.
Simplify your banking experience. Download our mobile banking app today.
“This app is so fantastic it makes deposits so easy, as I don't have to find a storefront location anymore. I can deposit in seconds. All my banking information is a touch away. Absolutely love this app.”
“It's easy to get to where you need to go, and you don't get lost once you're there. The mobile deposit is ready to use and works every time. And I love the ability to view my checks.”
“Having a powerful banking app like this is essential because of remote location. There is very little that I can not accomplish with this banking app!”
Other Helpful Resources:
Questions to Ask Before You Open or Switch Checking Accounts
The Five-S Plan for ATM Safety
The Benefits of Direct Deposit
Why Choose Quorum?
One of the Best Credit Unions of 2024
Bankrate
The Best Credit Unions
CNET
The Best HELOC Lenders
CNN Underscored
Best Checking Account for Vast Network
CNBC
Best Credit Union of 2024 for ATM Access
Associated Press
Best Credit Unions
Business Insider
Best Online Banks, 2024
MarketWatch Guides
Best HELOC for Investors
Bankrate
Best Credit Union Savings Accounts
MarketWatch Guides
Best Overall Credit Union Savings Account
CNBC
2023 Diamond Award Financial Education
CUNA
Great rates and service.
Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!
Great rate!
My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!
Glad we found Quorum.
Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.
Member Reviews
CLOSEMember Service Team was really helpful in assisting me!
We are back from a cruise tour in the U.S. and Canada. During our vacation, my debit card was blocked (nearly a financial disaster). I called Quorum and got great help, first from Kevin B. After telling him my story, he transferred me to the Fraud Department. Unfortunately, they could not help, as I had one important piece of personal information that was not available. I called Quorum again and got Ebony. Ebony did a super job; she called the Fraud Department and convinced them I'm not a debit card fraudster. Thank you very much for your time and tremendous help, Ebony. Last, but not least, a thank you to Savannah. Coming back from Canada to the U.S., I emailed Quorum asking for support for another debit card alert and Savannah took care of that. Overall, the Member Service Team was really helpful in assisting me!
Klaus W
Easy to fill out application!
Straight to the point, easy to fill out application, and well put together!
Melissa F.
Professional and knowledgeable.
Professional, knowledgeable, sympathetic; a quick and enjoyable experience calling Quorum today!
James B.
Awesome experience.
Awesome experience working with Brianna and the team! Extremely helpful and went above and beyond.
Tysen C.
For security, I give them an A+.
I have been with this Credit Union for 12 or 13 years. For security, I give them an A+. Customer service is very helpful. Happy customer 😁
Rose E.
Absolutely great customer service.
Very helpful. Absolutely great customer service. Made my day.
Rehan H.
Best and most helpful in all my 15+ years with Quorum.
Today’s assistance was the best and most helpful in all my 15+ years with Quorum Federal Credit Union.
Carrie H.
Very friendly and extremely professional.
I just had a phone call to Quorum, talking to Bonnie. She helped me to activate my new debit card which I could not do myself from Germany. Bonnie was very friendly and extremely professional to get my request done. Now the card is activated for the next vacation in the US :-) Thank you very much, Bonnie.
Klaus W.
Very polite and professional.
The representative that I had the pleasure to talk with today took her time; she used safety measures to make sure I was who I said I was; very polite and professional.
Sheila L.E.
I’ve been a member for almost 30 years.
I’ve been a member for almost 30 years. I stay because the customer service professionals are excellent!
Ross W.
Very helpful and professional.
Very helpful and professional.
Ibrahim
Great customer service.
Great customer service.
Barbara R.
Excellent customer service.
Excellent customer service. Eddie was excellent.
Louis A.
Glad we found Quorum.
Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.
Kathy W.
I’ve been a member for over 35 years.
I've been a member of Quorum Federal Credit union for over 35 years. I highly recommend to anyone that would like low banking fees, a great banking experience and fantastic customer service.
Laurie D.
Excellent problem solvers.
I've been banking with Quorum for years. They're always very pleasant to interact with and they're excellent problem solvers. Thank you, Quorum. You're the best.
NYCBlkM4WhtM
Lifetime approval from me!
I have had checking and savings accounts for years with Quorum Federal Credit Union and have never had any problems. Therefore, when I needed a mortgage loan, I turned to Quorum. Their staff was a joy to work with. Very professional, informative and attentive to my every question, concern throughout the entire process. Quorum gets my lifetime customer approval from me.
Ruby S.
I conduct all of my banking transactions via the Mobile App.
I conduct all of my banking transactions via the mobile app. I like that I can deposit my checks, and view my account daily balances.
Marla E.
Our mortgage was a breeze!
Extremely professional team, our mortgage was a breeze with all the support from Mirella and Brandi. Highly recommended!
Erika V.
Very helpful and attentive.
I have been a member of Quorum for many years. They have always been helpful and very attentive. I highly recommend Quorum for financial business.
Herminia M.
Knowledgeable and friendly.
Bonnie was both knowledgeable and friendly. My issue was corrected immediately.
Catherine C.
A safe place to put your money.
This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!
LS B.
Refreshing.
I was amazed at the simplicity and speed at which things were handled today. Not something you see every day in business anymore. So refreshing.
Livin Curiously
Tremendously patient and helpful.
Quorum customer service was tremendously patient and helpful today. I'd phoned with two problems, which were successfully addressed with a combination of patience and professionalism.
Richard B.
Love everything about them.
Have been a member for 15 years and love everything about them: have a HighQ account, QClassic checking and a mortgage with them, too.
Sharon C.
Go with a credit union-and this is a good one.
Really nice group here; they actually work with you, much like a community bank. They are also fast and efficient.If you are tired of being gouged by the Big and Ugly banks, you should go with a credit union--and this is a good one.
Heidi K.
Have been a faithful and delighted customer.
I joined Quorum in 1998 and have been a faithful, and delighted customer since. Any issue I have experienced has always been handled with respect, knowledge and follow-through. Can't give them enough high praise. Today I was contacted by Quorum so they could personally update me on a specific change in their policy that may affect me. What other company takes the time and consideration to do that? I don't know of any other. Adisa was the Quorum representative who contacted me. Her approachability and the fact that she consistently asked if I was comfortable in giving answers to the requests for information from me made me feel safe and comfortable. Any business who employs someone of Adisa's caliber is worthy of all my banking business! Thank you, Quorum... you guys really are The Best!
Kathy C
Always friendly and courteous.
Always friendly and courteous. Great job by the Quorum team. Great to do business with them.
Bill J.
Highly recommend.
Amazing experience with this company for the past two years. I highly recommend.
Jorgefelix S.
Great rate!
My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!
DCG021022
This Credit Union quickly became my bank!
This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!
mhudson
Very good service and rates.
Very good service and rates.
Stan L.
Great rates.
I've been a member of Quorum for many years. They almost always have great deposit rates and the app is super easy too!
Tbe
Mobile deposits went perfectly.
I was very apprehensive about doing a mobile deposit. I'm still a fan of brick and mortar but that's no longer an option. I spoke to a wonderful woman named Shelley who was just amazing with patience. She informed me of a few banking options. Everything went perfectly as she walked me through the process that I chose.
B Renee B.
Very easy to navigate across the board.
Very easy to navigate across the board, making banking from home a no-effort issue.
7 reasons to smile
I was THRILLED to be able to do mobile deposits.
Since I need to use mail to deposit checks, I was THRILLED to be able to do mobile deposits. This app works better for deposits than either of the other two bank apps I use.
Kim N.
Friendly, helpful and knowledgeable representatives.
New customer. Friendly, helpful and knowledgeable representatives. They answered ALL my questions and stayed on the phone with me through the entire setup and deposit process. I hope the exceptional customer service continues. Based on my experience, so far, I would definitely recommend.
Cynthia M.
Excellence, patience and care.
Shelly's service was of excellence and she walked me through the entire claims process with ease and calmness. I greatly appreciate her customer service skills of excellence, patience and care. Thank you.
Janice J.
OUTSTANDING!
Shelly was nothing short of OUTSTANDING! Big thank you to her and her follow through.
Bob S.
Personable staff who are motivated to bring solutions.
Brand new customer. So far so good. They were able to answer all questions promptly and accurately. Will see how follow-through goes but no complaints, which is a good thing! Personable staff who are motivated to bring solutions.
Vicki P
CD and high-yield savings rates are excellent.
CD and high-yield savings rates are excellent. Decent service for an online only bank.
Celtics
Extremely helpful and knowledgeable.
The Quorum representative was extremely helpful and knowledgeable. I appreciate all she did to resolve my situation.
Carl W.
I so appreciate their time and hard work.
I want to thank Adisa, Debra, Eddie and Ellie for the excellent customer service that they gave me during the past week and a half. It made a difficult experience easier to deal with. The patience, understanding and kindness that they showed me was outstanding. They should be commended on doing their job with such expertise and professionalism. I so appreciate their time and hard work.
Mary F.
They do NOT disappoint.
Quorum has been my primary bank for over 5 years where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are prompt to provide answers to any questions that you may have regarding transactions with a detailed explanation of both benefits and minimum balances as well as other options to avoid fees. I encourage others to use these benefits and services offered.
Sonja M.
Friendly, knowledgeable, efficient.
Service member was friendly, knowledgeable, efficient and solved my problem quickly.
Marianne M.
Love my Credit Union.
Great experience today! We even got disconnected and she called me back after my issue was solved! Love my Credit Union.
Allison W.
Excellent customer service.
Excellent customer service. Very kind, courteous, pleasant and patient!
Vince D.
Quorum is the BOMB!
Quorum Federal Credit Union is the BOMB! Best customer service, helpful & assists with any concerns. I've banked at conventional "brick mortar" banks for 50 years. The extra benefits, better rates and customer service are by far SUPERIOR to any bank anywhere. Look them up, compare as I did then sign up. They are truly the real deal.
Gary H.
Just a wonderful credit union.
Just a wonderful credit union. Very knowledgeable people with kindness and professionalism. I’m an older gentleman, you can always call and speak with a human voice, it doesn’t have to be done on the computer. It’s a wonderful organization. If you’re looking for a credit union that offers great CD rates, great customer service, and most of all is very professional, I would recommend them to anyone that is looking for those qualities and some of the highest CD rates in the country. Quorum Federal Credit Union is all five star - first class, in my opinion.
Kin F.
Great experience being a member.
Quorum is a great credit union. The staff are always so helpful, friendly, and very patient. Great experience being a member.
Carla F.
Polite, professional, helpful.
Polite, professional, helpful. What customer service should be.
Penny W.
Great rates and service.
Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!
panslif12
Join an online community geared towards helping your financial well-being through top-tier financial tools, competitive rates, and award-winning customer resources. Become a member today and find out why Quorum is consistently selected as one of the top credit unions in the country.
Ready to Open an Account?
Since we first opened our doors, Quorum has been dedicated to putting our members’ best interests above all else. If you’re ready for a banking experience that’s focused on you, join Quorum today.
Apply NowFrequently Asked Questions
I’m interested in opening a checking/savings account with Quorum. Do they perform a hard/soft pull credit inquiry when reviewing the application?
A hard pull or soft pull can occur when you open a new checking or savings accounts from an online banking, credit union, or financial institution. A hard pull (which typically happens when a lender checks your credit report to make a lending decision; for instance, when applying for a mortgage) can (temporarily) slightly lower your credit score, and will typically stay on your credit report for two years. A soft pull, on the other hand, is an inquiry performed by a financial institution on your credit report, but does not affect your credit score in any way.
When Quorum reviews a checking or savings account application, we may perform a soft pull on an applicant’s credit report through one of the three major credit reporting agencies (TransUnion, Experian, Equifax) for verification purposes, and also run the name through ChexSystems to see if there is a report in their system. Neither of these actions will impact an applicant’s credit score in any way.
Can I switch checking accounts?
Yes, it’s easy to switch checking accounts. Follow the steps below to get started:
- Log in to online/mobile banking.
- Select “Account Services.”
- Under “More Services,” click “Checking Account Change Request.”
- Complete the form, and then click “Submit.”
Please note, if you are trying to switch to a new QPlus Checking and you have an existing Overdraft Line-of-Credit (Checking Reserve) linked to the checking account you are attempting to switch from, you must close your Overdraft Line-of-Credit (Checking Reserve) and pay off any remaining balance on that account prior to switching to QPlus Checking.
I switched checking accounts types. Will my current ATM card or MICR account number change?
If you switch checking account types, your ATM card and MICR number will not change.
If you request a new checking account suffix, the MICR will change. This may also affect the checking account linked to your ATM Card.
If you need to confirm the checking account linked to your card, please either send us a secure message by logging in to online banking and clicking on “More” from the main menu, then “Message Center,” or contact us at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.
How do I set up Direct Deposit with Quorum?
To initiate a direct deposit through your employer, use our ABA Routing & Transit Number 221981335 and your Quorum checking or savings account information when setting up this service with your employer.
Please use the following account number formats to ensure the funds are deposited/withdrawn appropriately:
- For savings accounts: Provide your account number (also known as your member number) and suffix without dashes. For example, your account number is 123456 and your savings account suffix is 0000, you would use 1234560000. You can view your suffix(es) in online banking. The suffix is the four-digit number listed after the dash in the number under each account name.
- For checking accounts: Provide the 14-digit account number located on the bottom of your Quorum checks. (You do not need your member number or suffix.) You can also find this in online banking by clicking on your checking account, then the “Account Details” tab above your transaction history.
How do I make a mobile deposit?
To deposit a check using our mobile banking app, follow these instructions:
- Download the Quorum mobile banking app for iOS or Android.
- Select “Deposit” from the main menu.
- Review the Deposit Notice and then click on the ‘Got it, let’s go’ button.
- Follow the prompts to deposit your check:
- Select an eligible account from the drop down to deposit the check into.
- Enter the deposit amount.
- Tap the “Front of Check” icon and follow the on-screen prompts. The app will automatically take a picture of the front of check.
- Afterwards, the app will proceed to the “Back of Check” Image Capture screen. Follow the on-screen prompts. The app will automatically take a picture of the back of check.
- Click “Submit Deposit” to deposit your check.
Mobile Deposit is also available for iPads and other Apple/Android devices. For more information on Mobile Deposits, please click here.
How do I set up a credit/debit card alert?
Credit/Debit Alerts will only alert you when a transaction is made using your Quorum Credit/Debit MasterCard®. Other transactions, such as checks or electronic transfers using your checking account number, will not trigger a credit/debit alerts.
How to set up card alerts:
Be sure to have your Credit/Debit Card handy before you start.
- For Credit Alerts visit: Credit Alerts Registration page
- Click on “Register Now”
- Complete registration by following the onscreen prompts.
- Once registration is complete, you’ll be automatically logged in to the Credit Card Alerts Management platform where you can set up new Alerts.
- For Debit Alerts visit: Debit Alerts Registration page
- Click on “Register Now.”
- Complete the registration by following the onscreen prompts.
- Once registration is complete, you’ll be asked to log in to the Debit Card Alerts Management platform where you can set up new Alerts.
How do I set up alerts and notifications in online banking or mobile banking?
We offer text alerts to keep you updated on your balance, account activity, upcoming payments and more! You can set up your alerts via online banking or the mobile app.
Desktop:
First, enable SMS text messages behind online banking.
- Log in to online banking.
- At the top right-hand corner of the screen, click on “Settings.”
- Click on the “Contact” tab.
- Under Phone Numbers, click on the pencil icon next to your mobile number.
- Select, “I would like to receive SMS text messages to this number.”
- Click on “Save Changes.”
Once you’ve enabled SMS text messages, you can set up an alert/notification.
- From the main navigation, under “More,” click on “Account Alerts.”
- Select any one of the main Alert options displayed on the screen. Each option will give you a list of alerts you can activate/deactivate.
- Click on the Alert you wish to set up, then choose the delivery method (SMS/Email). Please note, Alert set up options may vary based on the type of alert you choose.
- Click on “Save.”
Mobile:
First, enable SMS text messages within the mobile banking app.
- Log in to the mobile banking app.
- Click on “More” at the bottom of the screen.
- Click on “Others,” then “Settings.”
- Click on “Contact.”
- Under Phone Numbers, click on your mobile number, then switch on the “Enable SMS text messages” button.
- Click on “Save Phone.”
Once you’ve enabled SMS text messages, you can set up an alert/notification.
- Click on “More” at the bottom of the screen.
- Under More, click on “Account Alerts.”
- Select any one of the main Alert options displayed on the screen. Each option will give you a list of alerts you can activate/deactivate.
- Click on the Alert you wish to set up, then choose the delivery method (SMS/Email). Please note, Alert set up options may vary based on the type of alert you choose.
- Click on “Save.”
What happens to my QBoost Checking account if I’m no longer receiving direct deposits from my employer or funding source?
You will earn the current Basic Savings Account rate. View current rates here.
Are there a minimum number of deposits I have to make into a QBoost checking account per month?
For QBoost checking accounts, you must meet the account requirements in order to waive any monthly service charge, that includes establishing and maintaining monthly direct deposits with an aggregate balance of $500.
What is Annual Percentage Yield (APY)?
APY is the amount of dividends you earn on money you deposit into a savings accounts (including high-yield savings accounts), over the course of a year. How often dividends are compounded is also figured into the APY.
If you are considering two or more bank accounts for your savings, it pays to compare the APY on each for the full picture on how much your money and account balance can earn over a year.
What is the significance of the APY? In its simplest form, the higher the APY, the more money you earn. If you have $25,000 invested in a one-year term account with a 2.86% APY, at the end of the year, you will have earned $715. With a 2.50% APY, your return would be $625.
You may see a higher annual percentage yield (APY) on accounts that have a higher minimum deposit and a longer commitment for how long you must keep the money in the savings account. Be sure to familiarize yourself with the terms and conditions of any bank account you open.
What are dividends?
Dividends are essentially credit-union-speak for interest. It’s the money we pay you for leaving your deposits with us.
Are my funds insured with Quorum?
Your Quorum accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Depending on how your accounts are owned and what types of accounts you have, you can potentially increase the total insurance on your funds to greater than $250,000.
The Share Insurance Estimator, found here, can help you determine whether your accounts are established and insured appropriately. If you have already utilized the Share Insurance Estimator and still have additional questions, you can also reach out to the NCUA Consumer Assistance Center at (800) 755-1030. Representatives are available from Monday through Friday from 8 a.m. – 5 p.m. ET. You can also send an email with your questions to dcamail@ncua.gov.
Do you offer Zelle®?
Yes. Zelle is available in Quorum’s mobile banking app.
To access Zelle, follow these instructions:
- Log in to the Quorum mobile banking app.
- Click on “More.”
- Click on “Pay.”
- Click “Zelle Payments.”
- Follow the prompts to complete the enrollment process.
Please note, if you previously used your Quorum account in the standalone Zelle app, you will be forced to re-enroll in Zelle via the Quorum mobile banking app and you will no longer be able to conduct transactions with your Quorum account via the standalone Zelle app.
*A Few Things You Should Know
1Annual Percentage Yield (APY) is in effect as of 07/01/24 and subject to change. You must establish and maintain monthly direct deposits with an aggregate balance of $500 AND conduct at least ten debit card transactions per month in order to earn the APY and rate. Balances up to $5,000 earn 4.00% APY (3.93% rate). Balances above $5,000 earn 0.50% APY (0.49% rate). If you do not meet the requirements to earn the rate, your balances will earn 0.01% APY (0.01% rate). Dividends are paid on all funds on deposit and are posted monthly. This is a variable rate account.
2Paper Statement Fee: A $2.00 monthly fee will be incurred if you don’t enroll and maintain eStatements.
3ATM Fee Reimbursements: ATM fees incurred will be reimbursed up to $20 per month and will be automatically deposited into your account on the 2nd business day of the following month.
4Early Direct Deposit: Early availability is not guaranteed and may vary from deposit to deposit. Funds availability depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Eligible deposits are electronic deposits made through the Automated Clearing House (ACH) to your personal account including but not limited to items such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for early availability.