Momentum Checking with Rewards

Earn up to 6.00% APY* just by using your debit card. Get rewarded for your daily purchases and enjoy a checking account packed with free features.

Benefits of a Momentum Checking Account

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Free Debit Card with Rewards

Earn points and perks every time you spend — it's easy to get rewarded.

Free Online & Mobile Banking

Manage your money anytime, anywhere with secure digital access.

High Interest on Your Balance

Earn up to 6.00% APY* on balances up to $50,000.

Free Mobile & Text Banking

Stay connected with real-time account alerts and easy mobile management.

Overdraft Protection & Courtesy Pay

Know you’re covered for up to $750 in unexpected expenses.

Free Credit Score Monitoring

Track your credit score with free, real-time updates and alerts.

Why Choose Momentum Checking?

Momentum Checking makes it easy to earn more while doing what you already do—using your debit card for everyday purchases. Unlike basic accounts, this one actually pays you back with some of the best rates around. Plus, there are no monthly maintenance fees, so more of your money stays where it belongs: with you.

You’ll enjoy free online and mobile banking, unlimited check writing, and real-time credit score monitoring—all included at no extra cost. With overdraft protection and Courtesy Pay up to $750, you can move through life with confidence, knowing you’re covered. Momentum Checking is a simple, rewarding account that works as hard as you do.

How to Qualify for Rewards

It’s simple to keep your Momentum (and your high rate!):

  • ✅ Use your debit card 15 times per month (non-ATM transactions)

  • ✅ Keep a minimum opening balance of $25.00

  • ✅ Meet the requirements each month to earn dividends
    (If requirements are not met, no dividends will be paid for that period.)

Current Rates

Tier

Rate

$0 - $9,999.99

6.00% APY*

$10,000 - $49,999.99

3.00% APY*

$50,000 - above

0.00% APY*

Frequently Asked Questions

No, Momentum Checking has no monthly maintenance fees.

You simply won’t earn dividends for that qualification period.

Absolutely! You get free mobile banking, Smart Deposit, and mobile alerts.

Yes, accounts are insured up to $250,000 by the NCUA and an additional $250,000 by Excess Share Insurance.