Advantage Plus Checking Commercial

Advantage Plus Checking

It’s your money – let it work hard for you.  A high return and ATM refunds help you put more money back into your pocket.

Earn up to 2.00% APY* and $15 in ATM fee refunds by completing 3 easy steps each month:

  1. Have direct deposit (ACH Deposits) of $1,000 or more during the statement cycle
  2. Be enrolled in eStatements
  3. Complete at least twenty-five (25) point-of-sale (POS) transactions which post to the account during the statement cycle

Additional Benefits:

  • Beacon debit card access with CardSmart card controls

  • Free safe and secure eStatements (required)

  • Free online check images and mobile deposit capture

  • No monthly service fees or minimum balance requirements

  • No per check fees

  • No check writing limits

  • Protection with Courtesy Pay

  • Keep track of your progress within online banking and the mobile app with our easy to understand reward status dashboard

To reorder checks, visit Check Reorder Express.

FAQs

  • Direct Deposit (ACH Deposits) of $1,000 or more during the statement cycle
  • Receive eStatements
  • Must complete at least twenty-five (25) point-of-sale (POS) transactions which post to the account during the statement cycle

The ATM fee refunds will post to your account automatically at the end of the statement cycle.
You must have ACH deposit(s) totaling $1000 or more during statement cycle, receive eStatements, and complete at least twenty five (25) point-of-sale (POS) transactions which post to account during the statement cycle to earn the foreign surcharge fee refunds (up to $4.99 per transaction with a maximum of $15.00 per month). Foreign fee surcharge must be submitted with the appropriate ATM switch fee coding to qualify for rebate.

This means there are debit card transactions that have been authorized but have not posted to your account yet. Please remember that debit transactions can take a few days to clear your account. It varies depending on where you use your card and the system that the merchant uses to process their transactions. Some are instant while others may take more time.

Please be aware that some of the transactions you make in the final days of the month may not post in time to count towards the 25 debit card transaction minimum during that cycle.

It’s simple. Just log into online or mobile banking and select “reward status” located under your Advantage Plus account. Our easy to understand dashboard will show your progress daily.

*Annual Percentage Yield as of 6/1/2022; subject to change. Must have ACH deposit(s) totaling $1000 or more during statement cycle, receive eStatements, and complete at least twenty five (25) point-of-sale (POS) transactions which post to account during the statement cycle to earn advertised APY and ATM foreign surcharge fee refunds (up to $4.99 per transaction with a maximum of $15.00 per month). Foreign fee surcharge must be submitted with the appropriate ATM switch fee coding to qualify for rebate. Limit one account per tax reporting name. If monthly requirements are met, 2.00% APY is earned on balances up to $10,000 and .05% APY is earned on all balances above $10,000.  If monthly requirements not met; all balances earn .05% APY. $50 minimum required to open; no minimum balance required after opening. Membership savings account required.

Interest Advantage Checking

Everything you expect from a checking account with an attractive rate to keep your money working hard for you.

  • Earn interest on each deposited dollar

  • No monthly service fees when you maintain $100 balance

  • No per check fees

  • No check writing limits

  • Beacon debit card access

  • Protection with Courtesy Pay

  • Free online check images and mobile deposit capture

  • Free eStatements

*Membership savings account required.

To reorder checks, visit Check Reorder Express.

Net Direct Checking

Looking for an account for everyday use? Our Net Direct checking offers a simple to use and easy way to manage your money.

  • No minimum balance

  • No monthly service fees

  • No per check fees

  • No check writing limits

  • Beacon debit card access

  • Protection with Courtesy Pay

  • Free online check images and mobile deposit capture

  • Free eStatements

*Membership savings account required.

To reorder checks, visit Check Reorder Express.

Youth Checking

Youth Checking provides ages 12-17 the ability to learn money management and establish good financial history, all with no minimum balance or monthly account fees and free eStatements.

  • Designed for those 12 to 17 years of age

  • No minimum balance or monthly service fees

  • Beacon debit card access with CardSmart card controls

  • Free safe and secure eStatements (required)

  • Online/Mobile banking with remote deposit capture

  • Parent/Legal Guardian required as a joint owner

Account Opening Special Offer!

Earn $5 dollars for opening a new Youth Checking account when you complete the following:

  1. Open a new Youth Checking account at any Member Center
  2. Download the Beacon Mobile app and activate CardSmart card controls
  3. Load your debit card into your digital wallet
  4. Deposit your $5 check via mobile deposit capture

*Estatements required and account is not eligible for courtesy pay or draw path to a savings account. Debit card limit of $200 (POS and ATM). At age 18, the account will be changed to a Net Direct checking account and the joint owner may sign off on the account.

Checking Rates

Let your money earn you more.

Checking Rates

With tiered dividend rates, you can earn more from the money you save.

View Rates

Debit Cards

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Debit Cards

Use your card anywhere VISA is accepted.

Debit Cards

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