Cartwheel Checking



Manage your account with ease:

So close! Are you ready to make this account yours?

Banking may seem mundane. But with free, high interest Cartwheel Checking, it’s ok to get excited. Instead of you paying us a monthly service fee, we pay you — an impressive 2.00% APY*, to be exact. Plus, receive refunds on ATM fees, nationwide.* All it takes is a few banking basics you’re probably already doing.


  • 2.00% APY* on balances up to $10,000
  • Blended APY of 0.18% to 2.00%, depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • ATM fee refunds nationwide (up to $25 monthly)*

Account Features

  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • No minimum deposit to open

View the one page Cartwheel Checking product guide.


Easy ways to earn rewards:

To earn your rewards, the primary account holder can just do the following transactions and activities in the Cartwheel Checking account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and agree to receive e-Statements*
  • Be enrolled and log into Online Banking*

Most of these things, you’re already doing. But even if you don’t qualify one month, no need to worry. Cartwheel Checking is always free, and you can easily get back to earning your full rewards the very next cycle!

*APY=Annual Percentage Yield. No minimum to open. Limit one (1) Cartwheel Checking account per primary account holder. Monthly Qualifications: 12 debit purchases post and settle, primary account holder enrolled and log in to Online Branch, primary account holder enrolled in and receive free eDocuments notice. If Monthly Qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly Statement Cycle; (2) balances up to $10,000 earn APY of 2.00%; and (3) balances over $10,000 earn 0.10% APY on portion of balance over $10,000, resulting in a range from 0.18% to 2.00% APY depending on the account balance. If qualifications are not met, all balances earn 0.05% APY and ATM fees are not refunded. Interest deposited into Cartwheel Checking account after the end of each Monthly Qualification Cycle. Qualifying transactions must post and settle to account during Monthly Qualification Cycle. Transactions may take one or more Banking Days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the credit union as POS transactions count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current Statement Cycle through one day prior to the close of the current Statement Cycle. "Statement Cycle" means the period of time for which Verity provides a summary of the financial activities and transactions that post and settle to the accountholder's account. "Banking Day" means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions. Cartwheel Checking account rates accurate as of 1/1/17 and may change after account is opened. Account approval, qualifications, limits, enrollments and other requirements apply. Qualifications and rewards may vary by account. Read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts for more details. Federally insured by NCUA.