Awards Checking - Go Green! Earn Green! 

Check out our most popular new account!!

Benefits

• Earn 3.25% APY* on deposits $.01 - $30,000 (*May 1st, 2010 Rate is determined on the 1st of each month)
• Earn 1.00% APY on deposits $30,001+
• Reimbursed ATM fees (up to $10 per month) 

4 Requirements

1. Make a minimum of 10 signature based CheckMate transactions per month. (any trans­action that does not require your PIN number is signature based. To perform a signature based transaction, always select credit instead of debit.)
   NOTE: Transactions must be posted to the account during the monthly cycle in order to be included.
2. Receive your monthly statement electronically. (You must maintain a valid e-mail address.) 
3. Have a continuous monthly direct deposit into this account or have a least one automated transfer from this account per month. (ACH debit or credit, Payroll Credit, or recurring auto­matic transfer to loan or savings from checking)
4. Log onto HFS (online banking) once per month. 

* Rates based on annual percentage yield. If all account requirements are met, earn 3.25% APY on deposits $0.01 - $30,000 and 1.00% APY on deposits $30,001+ and ATM fees (up to a maximum of $10 each month) will be refunded. If the account requirements are not met, the APY will be 0.25% APY and ATM fees will not be refunded. Fees (ex. overdraft fees) may reduce earning. All APY’s listed are effective May 1st, 2010 and are subject to change. Limited to one account per member. Personal accounts only.

Frequently Asked Questions

Q. Can I convert my current WCCU checking account to a Awards Checking account?
A. Yes, and you can even keep your same checks and CheckMate card! Just stop in and sign a form. We can also automatically convert your direct deposit, auto payments, etc.
 
Q. Why do the Checkmate transactions need to be signature based?
A. Our system tracks the signature based transac­tions and you have more charge back rights with signature based transactions. Any transactions that do not require your PIN are signature based, even transactions that do not require a signature (gas pumps, smaller purchases, etc.) are considered signature based because they do not ask for your PIN.
 
Q. The store always asks me for my PIN. How can I do a signature based transaction?
A. Many retailers have their machines programmed to ask for your PIN number. They do this because it saves them money. However, you can simply hit cancel and the machine will then ask if the transaction is a debit or credit. Simply select "credit" and sign your name, and it becomes a signature based transaction.
 
Q. Which ATM fees are refunded?
A. Fees for using other ATM’s and ATM surcharge fees will be refunded, up to a total of $10 per month if all the requirements are met.
 
Q. What if I have 10 signature based CheckMate transactions during the month, but because I did some on March 31st, they did not hit my account until April... can I still receive the benefits?
A. No. The Awards Checking Account is a fully automated service. If the qualifications are not met during the month, the higher dividend rate will not be paid and ATM fees cannot be refund­ed. Because it is automated, there is no way of making exceptions.
 
Q. How often does the rate change?
A. The rate is set on 1st day of each month.

Additional Information

• No minimum balance required.
• No monthly service charge.
• Overdraft fees: $20 per item or $5 with overdraft protection. Maximum overdraft charge per day is $100.
• Stop Payment Fee: $15 per item.
• Depositing a bad (returned) check: $5 per item.
• All phone transfers: $1 unless using our free automated TellerLine phone service.