Enjoy free checking that pays. Earn high dividend earnings and refunds on ATM withdrawal fees every month you qualify.*
Enrollments must be in place and all of the following transactions and activities must post and settle to your CleaRewards Checking account during each Monthly Qualification Cycle:
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
CleaRewards Disclosure
Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
See our website or contact one of our member service representatives for specific Monthly Qualification Cycle dates.
Reward Information: When your CleaRewards Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your CleaRewards Checking account earn a dividend rate of 4.889% resulting in an APY of 5.00%; and daily balances over $15,000.00 earn a dividend rate of 0.499% on the portion of the daily balance over $15,000.00, resulting in a range from 5.00% to 1.09% APY depending on the account's daily balance.
You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your CleaRewards Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to CleaRewards Checking, or CleaRewards CASH BACK transactions via ATM; CleaRewards SAVER ATM transaction fees are not reimbursed nor refunded.
When your CleaRewards Checking qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.
Dividends will be credited to your CleaRewards Checking account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of May 20, 2025.
APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your CleaRewards Checking account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information: