Earn Better Checking
Easily earn really high dividends — plus refunds on ATM withdrawal fees, nationwide!*
It’s Easy to Earn Our Highest Rate
We make it so easy to earn the highest rate, that you’re probably doing most of these things already. Enrollments must be in place and all of the following transactions and activities must post and settle to your Earn Better account during each Monthly Qualification Cycle:
- 12 debit card transactions to post to and settle to the account
- 1 ACH credit (like a direct deposit)
- Enroll in an e-statement.
That covers it! If for some reason you don’t meet the monthly qualifications, don’t worry. Your account is still free and you still earn our base dividend rate. You can get back to earning your full rewards the very next Monthly Qualification Cycle!
Account Perks & Details
- Free checking that pays high dividends
- Earn 4.15% APY on balances up to $20,000*
- Balances exceeding $20,000 earn 0.50% APY
- 0.05% APY* if qualifications aren’t met
- Up to $25 ATM refunds per monthly qualification cycle when member qualifies
- Link to free Save Better to build savings automatically
- No minimum balance to earn rewards
- No monthly service charge
- Pay Better at Centric allows you to access your paycheck before it’s available at traditional banks.
- Free online banking & bill pay
- Free mobile banking with mobile deposit**
- Free e-statements
- Free 24/7 telephone banking
- Free Visa® debit card
- Free access to shared branches all across the country
- Nationwide surcharge-free ATMs
- Free $1,000 term life insurance through TruStage
- Minimum $25 to open
*APY=Annual Percentage Yield. APYs accurate as of 7/01/2022. Rates may change after account is opened. Minimum to open is $25.00 for Earn Better Checking. For Earn Better Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $20,000 receive APY of 4.15%; and (3) balances over $20,000 earn 0.50% dividends rate on the portion of the balance over $20,000. If qualifications are not met on Earn Better Checking all balances earn 0.05% APY. Qualifying transactions include 12 debit card transactions, (1) ACH Deposit or ACH credit transaction, Enroll in an e-statement. Qualifying transactions must post to and settle to the Earn Better Checking account during monthly qualification cycle. “Monthly Qualification Cycle” means the first day of the month to the last day of the month. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. The advertised Earn Better Checking APY is based on compounding dividends. Membership eligibility required. Federally insured by NCUA. Fees could reduce earnings. **Wireless carrier data rates may apply.
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