| Rewards Checking | Debit Cash Back (Coming Soon) | Basic Checking | HSA Checking |
|---|---|---|---|
| 4% APY* | 1% on Debit Purchases* | .50% APY** | |
| Earn more with the account you love. A flexible account that pays you 4% APY up to $12,000. It’s easy, convenient and lets you earn more for your money. | Get rewarded for everyday purchases with our Debit Cash Back program. Earn 1% Cash Back* on up to $1,000 in Debit purchases. Earn up to $100 per year and up to $10 per month! It’s a great option for everyone—especially children learning financial literacy. Teach smart spending habits while they earn cash back and learn to manage their finances. | Enjoy the freedom and flexibility of our Basic Checking account, packed with everything you need to manage your money effortlessly. | If enrolled in a high deductible health insurance plan, a Health Savings Account (HSA) at NCACU can help you save toward future medical expenses — tax-free. Use the funds for various medical expenses and enjoy the transaction flexibility of a Checking Account. |
| Requirements: Direct Deposit at least $1,000 monthly into your Checking account or Remote Deposit Capture (RDC) Minimum of 10 debit card signature based transactions per month Minimum of four logins to online banking per month Sign up for eStatements, eNotices and eAlerts | Requirements: estatments/eNotices/eAlerts 10 Mobile Banking logins per month 10 signature transactions per month | No Requirements or Monthly Fees! | No Requirements or Monthly Fees! |
*Already have an NCACU Checking Account and want to qualify for the rewards? Contact the credit union to get it added to your current checking!
Reward yourself with an NCACU Checking account, which includes the following benefits:
- Take .50% off your loan with an active checking.*
- Free ATM/Debit card with access to over 30,000 surcharge-free ATMs nationwide.
- Free unlimited Online Banking.
- Free Mobile App with Remote Deposit Capture and Card Control.
- Free Mobile & Text Banking.
- Free Bill Pay with Pay Anyone.
- Free e-Statements, e-Alerts, e-Notices.
- Free Debit Card Round Up
- Free notary service.
- Free $2,000 accidental death insurance policy.
- Bonuses on share certificates (CDs) with direct deposit.*
Your Debit Card: Secure, Convenient, and Rewarding
With the Debit MasterCard, your credit union is with you everywhere. Accepted worldwide and backed by Zero Liability protection, it’s perfect for shopping, dining, paying bills, and more.
Enjoy free ATM transactions at Co-op ATMs nationwide, and skip the need for a separate ATM card—your Debit Card has it covered!
Save While You Spend with Keep Your Change!
Every transaction rounds up to the nearest dollar, and the difference is deposited into your Keep Your Change Account—great for growing your vacation fund.
Simplify spending and start saving today!
*APY = Annual Percentage Yield. Terms and limitations apply. Rate as of 01/01/25 and subject to change after account opening. $5 membership required. No minimum balance required. Monthly requirements must occur by end of day the last day of the month. Overdraft/returned item fees may apply.
Rewards Checking-Purchases do not include ATM transactions. Credit or Debit card purchase requirements are based on purchase preference. Interest not paid on balances over $12,000. Interest not paid if requirements are not met. Fees may reduce earnings.
Debit Cash Back- Members may earn 1% Cash Back up to $10 on qualifying debit card purchases per calendar month, posted monthly as a single deposit on the last day of the month. Cash Back is calculated based on a percentage of the total amount of spending performed by the member during the month on eligible debit card purchase. Your Debit Cash Back Account must be open when debit card Cash Back is posted. Courtesy pay is not available for any member under the age of 18. A minimum of one parent/guardian will be joint on the account to qualify for a checking account if under the age of 18. Qualifying debit card purchases include: Point-of-sale purchases made with your debit card; and Online purchases made with your debit card. Debit card transactions that are not eligible for 1% cash back include: Transactions conducted at an ATM; The purchase of money orders, currency, coins, or other cash-equivalents, such as Bitcoins, negotiable items not yet deposited, U.S. treasury bills, and commercial paper; Peer-to-Peer or Person-to-Person (P2P) payments; Merchant returns/refunds.
**APY = Annual Percentage Yield. Rates are effective as of November 1, 2024, and are subject to change. This offer is available for a limited time and may change or end without notice. Interest is compounded and credited monthly. Other restrictions may apply. Members are encouraged to work with their tax advisor regarding the specifics of their HSA and for individual tax advice. It is the member’s responsibility to review their account transactions to ensure they qualify. North Central Area Credit Union is not responsible for ensuring transaction compliance and is not liable in the event of an audit.