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Free Checking

Already a member? Log in to your Online or Mobile Banking for a quicker application under “Add a Share”. 

We’ve come to find that folks are just looking for simple and easy when it comes to a checking account. No hoops, no monthly fees, and no confusing disclosures. That said, please meet our checking accounts:

Free Checking

What you get:

  • No monthly fee
  • No fine print

Free High Yield Rewards Checking

What you get:

  • No monthly fee
  • 2.50% APY on balances up to $10,000*
  • Refunds on ATM fees up to $5/month*

How you get it:

  • eStatements and
  • 1 direct deposit, bill pay, or automatic (ACH) transaction per month* and
  • 15 debit card purchases per month*

Free Cash Back Rewards Checking

What you get:

  • No monthly fee
  • 3% cash back on debit card purchases (up to $7.50 reward per month)*
  • Refunds on ATM fees up to $5/month*

How you get it:

  • eStatements and
  • 1 direct deposit, bill pay, or automatic (ACH) transaction per month* and
  • 15 debit card purchases per month*

Plus, all members get:

Open Online Now   Make an Appointment   Membership Info

Already a member? Log in to your Online or Mobile Banking for a quicker application under “Add a Share”. 

Questions? Contact us. We’d love to help.


the fine print

All members must open their account with at least $25; this is not a fee. No minimum balance required. Must maintain a minimum $25 in an Essential Share for the life of the account; this is your share of ownership in the credit union. Membership open to those that live, work, worship, own a business or attend school in Washoe County.

Free Checking Information: We were serious. There is none.

Rewards Checking Information:
 
Monthly Qualifications for Cash Back and High Yield Rewards:
  • Must elect to receive monthly statements electronically;
  • Must have a minimum of one (1) Automated Clearing House (ACH) credit or ACH debit post and clear the checking account during the month; and
  • Must have a minimum of fifteen (15) debit card transactions (excluding ATM transactions) post and clear the account during the month.
Even when qualifications are not met, there is no monthly fee. See fee schedule. 
 
*Cash Back Checking: When qualifications are met during a month, you will receive 3.00% cash back on up to a total of $250.00 signature-based debit card purchases that post and settle to the account during that month. You will also receive reimbursements up to $5.00 for nationwide (domestic) ATM fees incurred on your Rewards Checking account during the month in which you qualified. When qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Cash Back account on the last day of the qualifying month. Rates and rewards are variable and may change at any time.
 
*High Yield Checking:  APY = Annual Percentage Yield. When your qualifications are met during a month (1) balances up to $10,000.00 receive APY of 2.50%; and balances over $10,000.00 earn 0.100% interest rate on the portion of the balance over $10,000, resulting in a range from 0.27% to 2.50% APY depending on the account’s balance and (2) you will receive reimbursements up to $5.00 for nationwide (domestic) ATM fees incurred on your Rewards Checking account during that month in which you qualified. When qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your High Yield Checking account on the last day of the qualifying month. APYs accurate as of 3/1/2019. Dividends paid by using the average daily balance method. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
 
Additional Information for all Rewards Checking Accounts: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the calendar month 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, non-retail payment transactions and purchases made with debit cards not issued by our credit union. “Monthly Qualification Cycle” means one calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  $25 minimum deposit is required to open these accounts. At least 1 automatic payment (ACH) or direct deposit or bill pay transaction and enrollment of electronic statements are conditions of these accounts. Limit 1 Rewards Checking account per primary member Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Member Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. 
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