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High-Yield Checking

Unlock higher earnings with a High-Yield Checking account.
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One of the best
High-Yield Checking accounts.

Business Insider® experts voted Wings as having one of the best High-Yield Checking products in the industry for November 2022.

Earn 2.53% APY on balances up to $25,0001

If Requirements are Met Dividend Rate1 Annual Percentage Yield
On the first $25,000 2.50% 2.53%
Amounts over $25,000 0.01% 0.01% - 2.53%
If Requirements are Not Met Dividend Rate1 Annual Percentage Yield
All Balances 0.01% 0.01%

Rates effective as of November 9, 2022 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.
Debit cards tied to this account are not eligible for Wings Member Rewards.
Savings & Checking Disclosure & Fee Schedule
1Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate.
To earn the higher dividend rate, members must meet the following requirements:
- Must be enrolled in eDocuments
- Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
- Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

Maximize your earning potential.

Get more out of your checking account. Combine easy access to your money with the earning potential of a savings account, and see why a High-Yield Checking account is perfect for you.

eDocuments

Enroll in eDocuments to access up to three years of statements all in the Wings Mobile App or CU Online.

Digital Banking

Keep track of your finances with CU Online and on-the-go with the Wings Mobile App.

Boost your rate with High-Yield Checking.

A High-Yield Checking Account lets you take advantage of higher rates when your account meets certain requirements. If you’re planning to set up direct deposits into the account, receive electronic statements each month and regularly use your debit card, this could be the right account for you.

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Cash back makes every day better with the Member Cash Rewards Visa Signature® Card

From Monday takeout dinners to weekly fill-ups to summer getaways, the Member Cash Rewards Visa Signature card turns your purchases into cash back you can use any way you like. Earn 1.5% cash-back rewards on every purchase. Plus, earn $100 bonus after spending $1,000 in the first 90 days.

Get Cash Back

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A layer of protection for your account. Standard.

Overdraft Protection uses available funds from a linked account to cover your transactions if you don’t have enough money in your checking account.

In the case that an overdraft occurs, a transfer takes place once per day to bring the checking account to a positive balance. Overdraft Protection is automatically set up from your Share Savings account. You can also add a line of credit, another checking account, Money Manager, and/or additional savings accounts, up to a total of four accounts, as Overdraft Protection.

In addition, Overdraft Protection Plus offers an extra layer of protection in the case that Overdraft Protection is insufficient for your needs. (Opt-in required. A fee will apply if this service is used. ODP+ Agreement and Disclosure.)

Add Additional Accounts as Overdraft Protection

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Common Questions about High-Yield Checking

View All FAQs

What is considered a debit card transaction for High-Yield Checking?

A transaction is a PIN or signature point-of-sale purchase of over $5 in the 34 calendar days preceding the last business day of the month.

The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

Can I switch my current checking account to a High-Yield Checking account?

Yes, you can change your checking account to the High-Yield Checking account. Your cards and account numbers will remain the same.

What are the requirements to earn the advertised APY on a High-Yield Checking account?

To earn the higher dividend rate, members must meet the following requirements:

  • Must be enrolled in eDocuments
  • Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month
  • Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

Is a High-Yield Checking account eligible for Wings Member Rewards?

If you currently have a First Class Checking account and want to change it to a High-Yield Checking account, you need to use your points before making the change.

This applies to members who use rewards for the debit card only. Reward points will not be affected if you also have a Wings Member Rewards Visa credit card.

How often are dividends paid on my High-Yield Checking account?

Dividends are paid monthly (for example: January 1 – January 31).

Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000.

The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Will I be notified if I am at risk of not meeting the monthly requirements for my High-Yield Checking account?

Yes, you will receive an alert email detailing if you have not met any of the requirements and also what requirements you need to complete before the end of the month.

If you have met all requirements for the month you will not receive an alert.