Rewards Personal Checking Account | SMW Financial Credit Union | Lino Lakes, MN - Maplewood, MN

Rewards Checking

Free Checking Account

Do MORE with your money for FREE!

  • Huge ATM Network
  • Free online banking
  • Free online bill pay
  • Free debit card usage
  • No minimum balance
  • No monthly service fee

Each time you qualify, you get:

  • 1.75% APY in cash*
  • Nationwide ATM fee refunds

To qualify for each monthly qualification cycle, just:

  • Have at least ten (10) debit card purchases post and clear.
  • Have at least one (1) direct deposit OR ACH post and clear.
  • Receive monthly eStatements.

Totally free checking that pays you cash back? RU4 real?!


If you don't qualify, don't worry!

You still have a FREE account that earns a base rate of interest with free debit card usage. Also, you can get back to earning high interest and receiving ATM fee refunds the next time you qualify.

* Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of 07/20/2016. Rate tiers are as follows: 1.75%APY applies to balances of $0.01 - $20,000 and 0.50%APY to balances over $20,000, if qualifications are met during the monthly qualification cycle. Ten (10) debit card transactions and one (1) ACH must post and clear during calendar month. Member must also be signed up for eStatements. 0.05%APY applies to all balances if monthly qualifications are not met. All balances will earn 0.50% - 1.75%APY if monthly qualifications are met. Rates may change after the account is opened. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions. ATM fee reimbursements of up to $10, provided only if qualifications are met within the monthly qualification cycle.