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We're taking high interest checking to an even higher level.

Score exceptional interest rates on your checking balances by simply using your MECU debit card, signing up for direct deposit and opting for paperless statements.
Earn 3% APY on qualifying balances below $10,000*
No monthly maintenance fee or minimum balance requirement
Stay in control with our easy-to-use Mobile App

Reap the rewards of an account that works harder.

RewardChecking does double duty as a superb checking account and an exceptional savings strategy. Qualifying for higher interest rates and ATM fee reimbursements is a breeze. All you need is:


  1. 12 debit card purchases during each monthly cycle
  2. One direct deposit, bill pay or automatic ACH payment
  3. Enrollment in free E-statements

Each monthly cycle that you meet the qualifications, you'll enjoy:
  • 3.00% APY* on balances up to $9,999.99
  • 0.75% APY* on balances of $10,000 or more
  • 0.10% APY* on all balances when qualifications are not met
  • Reimbursements of up to $20 in monthly ATM fees charged by other banks
Don't worry - your RewardChecking account is always free from a monthly maintenance fee and minimum balance requirement, no matter what.

2019 Cycle Dates for RewardChecking

  • Jan 30 – Feb 26
  • Feb 27 – Mar 28
  • Mar 29 – Apr 25
  • Apr 26 – May 29
  • May 30 – Jun 27
  • Jun 28 – Jul 29
  • Jul 30 – Aug 29
  • Aug 30 – Sep 26
  • Sep 27 – Oct 29
  • Oct 30 – Nov 26
  • Nov 27 – Dec 26
  • Dec 27 (2019) – Jan 29 (2020)
*APY – Annual Percentage Yield. APY accurate as of 5/10/2019. Minimum to open account is $25. Account transactions and activities may take one or more days to post and settle to the account. All required transactions must post and clear the account during the Monthly Qualification Cycle in order to qualify for the account's rewards. Intra-bank transfers do not count as qualifying ACH transactions. Transactions posted after a specific cycle's qualifying period may be counted toward the subsequent cycle's totals. “Monthly Qualification Cycle” dates are outlined above. Reward Information: if qualifications are met each Monthly Qualification Cycle, balances up to $9,999.99 receive APY of 2.51% and portion of balance $10,000 and over earns 0.75%APY, resulting in 0.75% - 2.51% APY depending on the balance. If qualifications are not met, all balances earn 0.10%APY for that cycle. 
Reimbursements up to $20 for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. This checking account only. When Reward Checking qualifications are not met, ATM withdrawal fees are not refunded. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. 

See Truth In Savings for full disclosure.