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Checking Accounts

WHICH CHECKING ACCOUNT IS RIGHT FOR YOU?

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Cash Back Checking Cash Back Checking

Earn 2% cash back on first $250 in debit purchases, if monthly qualifications are met. Plus, receive ATM fee reimbursements, up to $25.*

No monthly fee

Monthly qualifications apply:

Perform 12 debit card transactions

Primary account holder log in to Online Branch

Receive eStatements

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Cartwheel Checking Cartwheel Checking

Earn 2.00% APY* on the first $10,000 in the account, and 0.10% APY on any portion of the balance over $10,000, if monthly qualifications are met. Plus, receive ATM fee reimbursements, up to $25.

No monthly fee

Monthly qualifications apply:

Perform 12 debit card transactions

Primary account holder log in to Online Branch

Receive eStatements

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Verity Checking Verity Checking

No rewards and no interest

No monthly fee

No monthly qualifications required

*APY=Annual Percentage Yield. No minimum to open. Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking, Velocity Checking, and Cash Back Checking accounts. To earn the reward rate or cash back and ATM fee refunds, the primary accountholder must meet the following three (3) requirements per Monthly Qualification Cycle: 1. Make at least 12 point of sale (POS) purchases using their debit card. 2. Agree to receive account statements electronically (eDocuments) and provide a valid e-mail address.  3.  Log in to Verity’s Online Branch at least once during the cycle. For Cash Back Checking, if the primary accountholder meets the monthly qualifications the account will be refunded up to 2.00% of the first $250 spent via POS purchases during the cycle. Maximum cash back award is $5 per Monthly Qualification Cycle. In addition to cash back, domestic ATM fees, up to $25 per qualification cycle, will be credited to the account if monthly qualifications are met. For Cartwheel Checking, if the primary accountholder meets the monthly qualifications, balances up to $10,000 earn APY of 2.00% and 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. In addition to receiving the reward rate, domestic ATM fees, up to $25 per qualification cycle, will be credited to the account if monthly qualifications are met. Interest, cash back and ATM fee refunds will be deposited into the reward account at the end of the Monthly Qualification Cycle. If qualifications are not met in a rewards checking account, ATM fees are not refunded and no interest or cash back reward is earned. 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. Cash Back Checking and Cartwheel Checking account rates accurate as of 6/1/18 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. Qualifications and rewards may vary by account. Read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.