There are a lot of words we could have used to describe this free, interest bearing checking account: cool, awesome, super-deluxe. But those words just don't do it justice.
Ultimate Checking earns you a world-class return of up to 1.75% APY* and unlimited checking with no monthly service fees or minimum balance requirements to earn rewards each monthly qualification cycle. You even get ATM fees refunded** no matter whose machine you use. Get cash in Tampa, Clearwater, all over Florida, or anywhere in the country!
Why go with regular free checking when you could have the ultimate?
- 3.25% APY* on balances up to $10,000
- 1.75% APY* if loan qualifications are not met but other three qualifications are met on balances up to $10,000
- 1.00% APY* on amount of balance over $10,000
- 0.10% APY* on balances over $15,000
- 0.10% APY* if qualifications are not met
- Free ATM transactions nationwide**
- Unlimited check/debits
- No minimum balance to earn rewards or monthly service fees
- Free check card
- Free online banking with bill pay
- Free paperless eStatements
- Unlimited Member Services Call Center access
- Unlimited Call 24 telephone banking
- Overdraft Privilege of up to $700*
- NCUA insured up to $250,000
To receive the ultimate return of 3.25% APY* and ATM fee refunds**, simply do the following each monthly qualification cycle:
- Have at least 12 debit card purchases post and clear
- Have at least 1 Automatic Payment or Direct Deposit post and clear
- Receive paperless eStatements^
- Have loan balances of $5,000 or more
If you don't meet the loan qualification in a given cycle, you still get a great 1.75% APY*. The combined loan balances of $5,000 or more, excludes credit cards and secondary market mortgages.
And hey, if you don't qualify in a given cycle, don't you worry—you still get unlimited check and debit card transactions plus our base rate of 0.10% APY*. And you can get the Ultimate Rewards back the very next cycle you qualify!
* Annual Percentage Yield (APY accurate as of 10/31/12). Rate tiers are as follows: 3.25% APY applies to balances of $0.01 - $10,000 if loans qualifications are met during the monthly qualification cycle. If loan qualifier is not met during the monthly qualification cycle, but the first 3 qualifiers are met, members will earn 1.75% APY (Annual Percentage Rate is 1.74%) and ATM refunds. If at least the first three qualifiers are met, balances over $10,000 earn 1.00%.The rate for all balances over $15,000 is 0.10% APY regardless of meeting the qualifiers. If monthly qualifiers are not met, Annual Percentage Yield is 0.10% on all balances. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Debit card transactions must be point of sale transactions. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. Restrictions apply on discretionary Overdraft Privilege.
**Unlimited ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.
Please note: Dividends paid monthly. Rate and terms are subject to change without notice. ATM transaction fees are refunded at the end of each statement cycle if requirements are met. Check Card transactions must be point of sale (transactions at ATM machines do not count) and transactions must post/clear the account one business day prior to the end statement cycle to count for that cycle. Restrictions apply on discretionary Overdraft Privilege. APY for balances of $0 - $10,000 is 3.25% APY if all qualifiers are met and 1.75% APY if the loan qualifier is not met, but the first 3 qualifiers are met.
Statement cycle runs from the last day of the previous month to the second to the last day of the current month.
^Must enroll through Internet Banking.