Where else are you going to find a checking account that pays you one of the highest dividend rates for a checking account, certificate or money market account in our marketplace and refunds you for any ATM fees you incur, up to $25 per cycle? If you haven't already opened a SmartRate Checking account, you could be leaving free money on the table.
How do you earn the "rewards" of SmartRate Checking?
- Make 10 Check Card transactions per cycle
- Enroll and receive eStatements
- Set-up one direct deposit or ACH auto debit per cycle
Other SmartRate Checking Benefits:
Find out more about SmartRate Checking by visiting SmartRateChecking.com or stopping by your nearest Allegacy Financial Center.
You can apply for your SmartRate Checking account online by clicking on the "Secure Forms" icon inside WebBanking. If you are not currently registered for WebBanking, here is more information.
What is a cycle?
A cycle is approximately one calendar month. However, it will vary depending upon when the last business day of the month falls. A cycle is from the last business day of the previous month to the second to the last business day of the current month. Qualifying transactions must post to the account before the end of the business day.
| 2008 |
Cycle Begins |
Cycle Ends |
| |
Sept 30 |
Oct 30 |
| |
Oct 31 |
Nov 28 |
| |
Nov 29 |
Dec 30 |
PLEASE NOTE: Whether you use your check card as a PIN-based transaction or credit-based and sign your name, when your transaction is final is dependent on when the retailer completes the transaction. In other words, you buy dinner on July 25 but the restaurant does not complete, or post, the transaction until August 5.
For data processing purposes, we go by when the transaction is complete. It doesn't happen often but sometimes members think they met the deadline for doing a check card transaction only to find the retailer didn't complete it until after the deadline. Just remember, those transactions get you a "head start" on the next month's total.
In addition, for your direct deposit to count towards your cycle requirement, it must process prior to the cycle end date. This date is determined by each employer’s internal process. Please consult your payroll department/contact for your end of month processing dates.
This credit union is federally insured by the National Credit Union Administration.
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