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Incentive Checking Account (S49)

Haven’t you sometimes thought that your financial institution should be paying you for the privilege of managing your money? At Insight Credit Union, we’ve designed the Incentive Checking Account** to do just that.
  • High interest paid on every dollar of your average daily balance up to $20,000
  • No minimum to open
  • No monthly service charge
  • No minimum balance required
To earn the level of high interest, there are just a few things you need to do:
  • Have a valid email address on file
  • Use eStatements
  • Make a minimum of 3 Bill Pay transactions post to your account each month
  • Make a minimum of 8 SmartCheckTM Debit Card point of sale transactions each month
If you are unable to meet the criteria each month, don’t worry. You won’t be charged some hefty fee. You will just receive a more modest interest rate on your average daily balance. And the transaction counters reset after the close of business on the last business day of each month, so even if you don’t receive the high interest rate one month, you can still qualify the next month.

Please keep in mind the close of business is 6pm on the last business day (Monday - Friday) of the month. If transactions are posted after 6pm on the last business day, they will count toward totals for the following month. The minimum age to open a checking account is 13.

**Incentive Checking is a variable rate account and the rate may change after the account is opened. The Incentive Checking account is a Tiered Rate account. If your average daily balance is $20,000.00 or below and requirements are met, the APY will be the qualified APY. If your average daily balance is $20,000.00 or below and requirements are not met, the APY will be 0.05%. If your average daily balance is $20,000.01 or greater, 0.05% APY will apply to the average daily balance exceeding $20,000.00. To receive the qualified APY, member must have a valid email address, use eStatements, make a minimum of 3 Bill Pay transactions post to your account each month, and make a minimum of 8 Smart Check Debit Card transactions each month. Fees could reduce the earnings on the account.

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