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Elite Checking

CHECKING FOR SAVVY SAVERS

Elite Checking is the perfect fit for you if you are a savvy saver and tend to carry a significant balance. You can earn up to 2.00% APY* on your monthly checking account balance! We’ll also reimburse you up to $20 in ATM fees each month. Just complete three easy qualifications each qualifying cycle to earn the interest reward.

QUALIFICATIONS

  • Receive your monthly statement electronically (Online Statements)
  • Have 10 debit card point-of-sale transactions post and clear during the Qualification Cycle
  • Have at least one direct deposit or one auto-debit via ACH during the Qualification Cycle

Benefits of Elite Checking

  • Free online and mobile banking for easy 24/7 account management
  • 2.00% APY* on your average checking account balance each month
  • 0.25% Auto/RV/Small RV/Non-Promotional Personal Loan Discount**
  • ATM Reimbursements – access cash without fees*
  • Identity Theft Protection through iDefend
  • Money Management – effortlessly track spending habits.
  • FICO® Score monitoring – check your credit score quarterly.

It’s incredibly simple! Complete three qualifiers each month, and your Elite Checking account will pay you. No worries if you don’t meet the qualifications; there’s no fee, and you can try again next month!

Choose a JCU checking account that aligns with your lifestyle. Open a new Elite Checking or convert your Basic Checking by visiting a branch or applying online today!

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Balance RangeAPY*ATM REFUNDS
Balance Range:$0 - $10,000APY*:2.00% APY*ATM REFUNDS:up to $20/mo.
Balance Range:Above $10,000APY*:0.25% APY*ATM REFUNDS:up to 20/mo.
Balance Range:No balance or qualifiers not metAPY*:0.05% APY*ATM REFUNDS:N/A

*Annual Percentage Yield (APY) accurate as of 10/01/2024. On approved credit. For personal accounts only. All qualifications must be achieved during the qualification cycle to earn 2.00% APY. For Personal accounts only (1 account per SSN). ATM refunds of up to $20 are provided as long as qualifications are met during the qualification cycle. All qualification transactions on the account must be posted and cleared during the qualification cycle, which could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made (ATM withdrawals or transactions do not qualify). “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. Rates are subject to change. Fees may reduce earnings. Elite Checking: 2.00% APY applies to balances of $0.00-$10,000, 0.25% APY applies to balances over $10,000, and 0.05% APY applies if you don’t meet any qualifications.
**Members must have an active rewards checking account with JCU with transactions in the previous month. The discount is available on loans starting June 1, 2024. Loans granted prior to this date are not eligible.