SMW Checking Accounts

Rewards Checking:

*Offer available from now until October 31, 2025. All new accounts are subject to standard account membership terms and disclosures. Eligible account type to receive $100 at the time of opening is a Reward checking account with eStatements, online banking, and debit card. Member is eligible for an additional $150 deposit into the new checking account after meeting the monthly qualifications at least once within the first three months after account opening. Existing members do not qualify for this offer. **APY = Annual Percentage Yield. Rate effective September 1, 2025. Minimum to open account is $100. 4.50% APY applies to balances $0.01 - $20,000 that have met account qualifications. Monthly Qualification Cycle is the first day of the month to the last day of each calendar month. To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your selected Reward  Checking account during each Monthly Qualification Cycle:  Qualifications include fifteen (15) debit card transactions of at least $3 that post and clear your account each month, at least $1,000 in direct deposit/ACH credits posted during each calendar month and member must be signed up for eStatements. All balances will earn 0.02% to 4.50% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Transactions may take one or more business days from the transaction date to post to an account. Early direct deposit eligibility may vary between pay periods and timing of payors funding. All rates, terms, and products are subject to change at any time without notice. Membership eligibility required. Federally insured by NCUA. 

Cash Back Checking:

*You will earn 1% cash back up to a maximum of $5 each month, on net debit card purchases each month when qualifications are met.  Purchases can be signature or PIN based.  ATM transactions do not apply. New Qualifcations effective 10/1/2023 - Fifteen (15) debit card transactions of at least $3 post and clear your account each month, at least $500 in direct deposit/ACH credits post during calendar month, and Member must also be signed up for eStatements.  Transactions may take one or more business days from the transaction date to post to an account.  **Restrictions apply, Early access to direct deposit is available for all credit unionmembers that set up a direct deposit with their employer or other payor. Early direct deposit eligibility may vary between pay periods and timing of payors funding. All rates, terms, and products are subject to change at any time without notice. Membership eligibility required. Federally insured by NCUA.