Reward Checking

Earn interest on daily transactions.

MECU is taking high-interest checking to new heights

Earn 4.00% APY on qualifying balances up to $10,000*
No monthly maintenance fee or minimum balance requirement

See how you can stay in control with our easy-to-use Mobile App

Reap the rewards of an account that works harder.

Earn healthy interest rates on your checking balances by simply using your MECU debit card, signing up for direct deposit, and opting for eStatements. RewardChecking does double duty as a superb checking account and an effective 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 eStatements

Each monthly cycle that you meet the qualifications, you'll enjoy:

  •  4.00% APY* on balances up to $10,000
  • 0.15% APY* on balances of $10,000 or more
  • 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.

2025 - 2026 Cycle Dates for RewardChecking
  • December 31, 2025 - January 29, 2026
  • January 30 - February 26
  • February 27 - March 30
  • March 31 - April 29
  • April 30 - May 28
  • May 29 - June 29 
  • June 30 - July 30

Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on checking accounts.

Make everyday banking simple.

View All Resources
Digital Banking
Manage your money anytime with secure account access.
Checking Rates
View current rates to find the right checking account.
Overdraft Protection
Avoid overdrafts with options that help keep you covered.
Understanding Your Credit Score
Learn what affects your credit and how to improve it.
Share Savings Account
Build Your Savings with Confidence

Start saving with a simple account that grows your balance over time with competitive rates.

Start saving more today!

*APY = Annual Percentage Yield. Information accurate as of January 1, 2025 and subject to change without notice.  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 on mecu.com. Reward Information: if qualifications are met each Monthly Qualification Cycle, balances up to $10,000 receive APY of 4.00% and portion of balance $10,000 and over earns 0.15% APY, resulting in 0.15% - 4.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% 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 RewardChecking 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.