Advantage Starter Checking

¹Rates subject to change at any time without notice unless otherwise noted. Rate may change after the account is opened. Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Annual Percentage Yield (APY) and rates are effective as of . Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly. See account disclosure and account terms and conditions provided at account opening for additional information.

²Advantage Starter Checking: Account transactions and activities may take one or more days to post and settle to account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Advertised information and rewards are based on all account qualifications being met during each cycle period. If qualifications are not met, there may be fees which reduce earnings. See our Fee Schedule for specifics. See our website or contact us for specific Monthly Qualification Cycle dates, other cycle dates, restrictions, non-qualifying reward transactions, reward calculations, account details, processing limitations, and enrollment.

Reward Information: When Advantage Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive {{RatePlaceholder}} cash back on up to a total of $200 in debit card purchases per cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. When account qualifications are not met, no cash back payments are made. Rates, and rewards, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Subject to membership eligibility. Available to eligible members ages 13 through 24, subject to membership, account opening, joint owner or custodial requirements, and applicable by law. Minimum balance to open membership account is $5. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. No minimum deposit is required to open the account. Monthly at least 10 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage Starter Checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you will forfeit any rewards that have not been credited to your account. See account terms and conditions provided at account opening for additional information. Upon reaching age 25, the account will be automatically converted to the most comparable checking product then offered by the Credit Union. Based on the current product lineup, the account would be converted to an Advantage Cashback Checking account. The Credit Union reserves the right to convert the account to a different comparable product if its product offerings change.

³Advantage Savings: Account transactions and activities may take one or more days to post and settle to account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Advertised information and rewards are based on all account qualifications being met during each cycle period. If qualifications are not met, there may be fees which may reduce earnings. See our Fee Schedule for specifics. See our website or contact us for specific Monthly Qualification Cycle dates, other cycle dates, restrictions, non-qualifying reward transactions, reward calculations, account details, processing limitations, and enrollment.

Reward Information: APY = Annual Percentage Yield. APYs accurate as of .When your linked Advantage High Interest, Advantage Cash Back, or Advantage Starter checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Advantage Savings account earn a rate of {{RatePlaceHolder}} resulting in an APY of {{RatePlaceHolder}}; and daily balances over $100,000 earn a rate of {{RatePlaceHolder}} on the portion of the daily balance over $100,000, resulting in a range from {{RatePlaceHolder}} APY depending on the account's daily balance. APY calculations are based on an assumed balance of $100,000+ $100,000 in your Advantage Savings account and an assumed statement cycle of thirty-one (31) days. NOTE: ATM fee reimbursements only apply to Advantage High Interest and Advantage Cash Back. When your linked Advantage High Interest or Advantage Cash Back account qualifications are not met, the entire daily balance in the Advantage Savings account earns a rate of {{RatePlaceHolder}} resulting in an annual percentage yield of {{RatePlaceHolder}} APY. Interest will be credited to your Advantage Savings account on the last business day of the month. Rates and rewards are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Minimum to open Advantage Checking account online is $5. Workers Credit Union membership required. Subject to membership eligibility. Minimum balance to open membership account is $5. To have an Advantage Savings account, you must have an Advantage Checking account. Minimum balance to be maintained if utilized as a membership account is $5. Otherwise, no minimum deposit is required to open account. Other restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments including online banking, log-ins and other requirements may be necessary to meet qualifications. Monthly at least one Direct Deposit/ACH credit or ACH debit transaction, at least 15 debit card purchases, and enrollment in eStatements are conditions of these accounts. Limit of one Advantage checking account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you forfeit any rewards that have not been credited to your account. See account terms and conditions provided at account opening for additional information.

⁴The first instant issue card is free but there is a fee for any additional or replacement cards. Please see our fee schedule for details. Other institutions may impose a surcharge for use of their ATMs. 

⁵Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.