Earn more for 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. Enjoy 24/7 access with a FREE Debit Card, convenient ATMs, and EASY Mobile Banking.
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.*
Rewards Checking 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
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!
Keep Your Change!
With your Checking Account, consider our “Keep Your Change” feature, where transactions are rounded up to the nearest dollar, and the difference is deposited into your “Keep Your Change Account”—perfect for building your vacation fund!
Debit Cards
Your credit union is always with you, anytime or anyplace with our Debit MasterCard. Debit MasterCard is accepted at millions of merchant locations worldwide, including restaurants, hotels, and online retailers. You can even use Debit MasterCard to automatically pay monthly bills.
You can use your North Central ATM card at any ATM with the NYCE Co-op or Cirrus logos nationwide free of charge. Transactions are free at ATMs displaying the Co-op logo. ATMs are located at most NCACU branch locations. If you already have our Debit Card, you do not need an ATM Card. Your Debit card is ATM-ready!
Whether you use debit MasterCard to shop online, by phone, or in a store, every purchase is backed by Zero Liability protection*. That means you won’t be held responsible in the event that someone makes unauthorized purchases with your card.
Register With Secure Code
North Central members carrying MasterCards are advised to register with MasterCard SecureCode. MasterCard SecureCode is a private code for your MasterCard account that gives you an additional layer of online shopping security. Only you know what your code is – retailers aren’t able to see it, so you can trust that your transactions get your approval every time. Secure Code is driven by online merchants. Not all online companies utilize it, but the ones that do require the MasterCard cardholder to be enrolled in SecureCode and will deny a transaction without it. It really is just an extra level of security provided by these online companies and MasterCard. Remember as you get ready to shop for the holidays—some merchants will require that your card is enrolled in this program and will deny MasterCard purchases if you are not enrolled.
*APY = Annual Percentage Yield. Terns and limitations apply. Rate as of 04/01/24 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. 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. **Overdraft/returned item fees may apply.