Checking (Share Draft)

Make the Switch to Rewards Checking

Checking Account Benefits

No minimum balance requirements
No monthly service fees
Visa® debit card
Overdraft protection plans available (see below)

How to Qualify for Rewards

View our Informational Flyer here!

Earn up to 2.02% APY* with Reward Checking!

  • Dividends up to 2.02% APY* (first $20,000 on deposit)
  • Receive ATM refunds of up to $25 per statement cycle

To qualify for Rewards Checking benefits, your account must meet the following requirements each statement cycle:

  • Make at least 12 Visa® debit card purchases
  • Initiate one direct deposit, or ACH auto debit, or pay at least one bill through online Bill Pay
  • Enroll & receive E-statements
How to Apply

Apply online, stop by any branch location, or call 1-800-622-5305 to sign up for a new checking account. Current members should complete and return the Rewards Checking Application to complete enrollment.


APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: January 17, 2020. If you have any questions or wish to request a Rate and Fee Sheet with terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. All services, such as loans, credit cards and checking accounts, are subject to approval.

** Reward Rates - 2.02% APY (Annual Percentage Yield) is paid on balances between $0.00 to $20,000.00 and 0.10% APY is paid on all amounts of $20,000.01 and above, each cycle that the minimum qualifications are met. Up to $25.00 in ATM Fees will be refunded each cycle that qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however, it will not receive ATM fee refunds for that time period. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No monthly service charge. The qualification cycle is approximately one month long, but begins on the last business day of the previous month and goes through the second to the last business day of the current month. Eligible transactions must post during the qualification cycle in order to receive credit. Only one Rewards Checking Account may be opened per member, and any additional checking accounts will be opened as standard Share Draft Accounts.

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