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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 0.75% APY*, to be exact. Plus, receive unlimited refunds on ATM fees, nationwide.* All it takes is a few banking basics you’re probably already doing.

  • 0.75% APY* on balances up to $10,000
  • Blended APY of 0.05% to 0.75%, depending on balance in account
  • Unlimited domestic ATM fee refunds*
  • No interest if qualifications aren’t met
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.

Already a member? Open a Cartwheel Checking account through Digital Banking or click here.

See Rates

Easy ways to earn rewards:

To earn your rewards, the primary accountholder must do the following transactions and activities in their Cartwheel Checking account during each Monthly Qualification Cycle:*

  • Have at least 12 debit card purchases post and settle
  • Receive eStatements
  • Log into Digital 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) reward checking account (including Cartwheel, Cash Back or Velocity) per primary accountholder. Monthly qualifications apply: 12 debit purchases post and settle, primary accountholder enrolled and log in to Digital Banking, primary accountholder enrolled in and receive free eStatements notice. If Monthly Qualifications are met each Monthly Qualification Cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed and credited to account on the last day of monthly Statement Cycle; (2) balances up to $10,000 earn APY of 0.75%; and (3) balances over $10,000 earn 0.05% APY on portion of balance over $10,000, resulting in a range from 0.05% to 0.75% APY, depending on the account balance. If qualifications are not met, all balances earn no interest and ATM fees are not refunded. Fees may reduce earnings. A “Monthly Qualification Cycle” is from the last calendar date of the previous month to the day before the last calendar date of the current month (ex. June 30-July 30). Only debit card transactions processed by merchants and received by the credit union as POS transactions count towards qualifying debit card transactions. Transactions must post and settle to account during the Monthly Qualification Cycle to qualify. Debit card transactions processed by merchants and received by the credit union as ATM transactions do not count toward qualifying debit card transactions. Transactions may take one or more Banking Days from the date transaction was made to post and settle to an 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. APY accurate as of 6/1/2020 and may change after account is opened. Must be at least 18 years to open a rewards checking account. Account approval, qualifications, limits, enrollments and other requirements apply. Read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts for more details. Federally insured by NCUA.