$300 Checking Bonus

Current Annual Percentage Yield (APY) is 0.01% for First Class Checking. High-Yield Checking APY is 3.04% for balances up to $25,000 and 0.01% - 3.04%-3.04% for amounts over $25,000 if requirements are met. If requirements are not met, the APY is 0.01%. High-Yield Checking requirements: ACH direct deposit(s)¹ of at least $300, eDocuments enrollment & 15 net PIN or signature-based debit transactions over $5 in the 34 calendar days preceding the last day of the month. Checking account rates are variable and subject to change.

¹Direct deposit requirement: Income earned through self-employment or working an IRS classified “Gig Economy” job do not qualify as direct deposit.

Terms That Apply to all Accounts
Dividends will begin to accrue on the business day of deposit.
Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period.
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.
All accounts have variable dividend rates and may change as determined by the Board of Directors. Above are prospective dividend rates for the current period.
Following are examples of dividend periods. All other dividend periods follow the same pattern of dates: Monthly Jan 1-Jan 31; Quarterly Jan 1-Mar 31. Above are prospective dividend rates for the current dividend period.
The Board of Directors reserves the right not to pay accrued dividends if an account is closed before dividends are paid.
Dividends are paid from current income and available earnings, after required transfers to reserves, at the end of a dividend period.
Fees may reduce earnings.

²High-Yield Checking Account Terms and Requirements

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. If requirements are not met, your dividend rate on your entire balance will be the lower rate.

- You must be enrolled in e-Documents
- You must have ACH payroll 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.
- You 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. All debit card transactions must be posted one business day prior to the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit card purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit card return transactions processed during that period.

Debit cards tied to this account are not eligible for Wings Member Rewards.

³The first box of checks is free (shipping not included) and must be ordered by phone or in person. Future orders may be ordered online. This offer does not affect Wings' current policy of waiving the check printing fees (one box per year; shipping not included) for members age 65 and over.

Membership with a $5.00 minimum opening deposit required.