
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
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!):
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✅ Use your debit card 15 times per month (non-ATM transactions)
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✅ Keep a minimum opening balance of $25.00
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✅ 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*
*APY - Annual Percentage Yield effective 07/01/25. Rates may change after account open. Dividends are compounded monthly. $25.00 minimum balance to open Momentum Checking account. APY earned based on the following tiers and requirements: 6.00% APY earned on balances from $0 to 9,999.99; 3.00% APY earned on balances from $10,000.00 to $49,999.99; 0.00% APY earned on balances over $50,000.00; Momentum Share Draft Accounts must meet the following account qualifications to earn the qualifying dividend rate and APY: Fifteen (15) Non-ATM debit transactions per qualification period. No dividends will be paid if all requirements are not met. Qualification period means a period of thirty-one (31) days preceding the 27th of each month. Fees could reduce the earnings on the account. Membership conditions may apply.
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.
OCCU Routing #: 303986096
Wilserv Routing #: 303986397