SMW Checking Accounts

*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 checking account with eStatements, online banking, and debit card. After meeting the monthly qualifications for the first time within the three month period after account opening, member is eligible for an additional $150 deposit into the new checking account. Funds will be deposited directly into the checking account no later than 90 days from account opening. Existing members do not qualify for this offer. **APY = Annual Percentage Yield. Rate effective 8/1/23. Minimum to open account is $100. 3.00% APY applies to balances $0.01 - $20,000 that have met account qualifications. 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% - 3.00% 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. +APY = Annual Percentage Yield. Reward Saver is a separate account and available to Reward Checking account holders. The 1.00% Reward Saver rate is based on balances $75,000+. Other rates available based on amount deposited, see credit union for current rate information. Fees may reduce earnings. ¹Earn 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 Qualifications: 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. ²Restrictions apply. Early access to direct deposit is available for all credit union members 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.