Earn 4.75% APY*

With Rewards Checking Accounts

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Experience the perks of banking with Peoples Advantage's Rewards Checking! Earn rewards while you manage your finances. Enjoy the convenience of online and mobile banking, bill pay, and access to a vast ATM network. Plus, get rewarded for everyday spending with cashback, discounts, or other exciting benefits. Elevate your banking experience – join us today and discover the rewards of effortless checking.

Open Account

Earn 4.75%* APY

At Peoples Advantage FCU, we are committed to empowering your financial journey! That's why we offer a high-interest-bearing checking account when all requirements are met. Keep your money local with real people! Meet your savings goals by simply opening a Rewards Checking Account and watching your money grow.

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High Yield Dividends on Balances

Rewards Checking Accounts earn high dividends on balances of $5,000 or less in your checking account when all minimum requirements are met. Balances greater than $5,000 earn the share draft rate based on the current rate sheet.

View Share Rates

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Visa® Debit Card with Rewards

Peoples Advantage FCU Rewards Checking Accounts are equipped with a Visa® Debit Card that earn rewards on every dollar spent. Rewards can be redeemed for cash, gift cards, travel, and more. Rewards can be redeemed in Peoples Advantage Online and Mobile Banking.

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Loan Discount

Rewards Checking account members can take advantage of a 0.25% discount on their interest rate on eligible loan products.

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Monthly Fees if Minimum Requirements Aren't Met

$9 monthly fee* *Fee waived on Rewards checking when you use your debit card 20 or more times and have a direct deposit of $750 or more.

Fee Schedule

Additional Savings Bonus

Rewards Checking Account members receive an increased dividend rate on one additional savings product of their choice when all minimum requirements are met.

"Round Up" and Save

When members enroll in Peoples Advantage’s "Round Up" Program, be amazed at the savings that can build with spare change. At the end of the day, we round purchases to the closest dollar amount and put the rounded change into a savings account to build savings. Contact us to enroll.

Open Rewards Checking Account

OTHER GREAT REWARDS CHECKING ACCOUNT FEATURES:

Nationwide ATMs

Access to over 50,000 ATMs and shared branching locations nationwide.

VIEW LOCATIONS

Online and Mobile Banking

Life is mobile and so is banking with Peoples Advantage FCU with customizes dashboard options to personalize what you want to see when you log in. There are so many options to bank on-the-go like online bill pay, E-Statements and E-Lerts.

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Digital Wallet

Store and manage your Peoples Advantage FCU Basic Checking account on your smartphone.

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Courtesy Pay

The Courtesy Pay feature is only available with the Reward Checking Account to provide members with peace of mind in case of occasional overdrafts by allowing your account to cover transactions in case the checking account balance falls short. Check thes

Free Cashier's Check

One free Cashier's Check per month for members with a Rewards Checking account.

*APY= Annual Percentage Yield. Rewards Checking minimum qualifications must be met in order to receive dividends. The advertised rate is only applied to the first $5,000. Rewards Checking account balances greater than $5,001 will receive a split rate calculated with a lower rate. Please see the rate sheet for more details.

Basic & Rewards Checking Features & Benefits Comparison

Feature	Basic Checking	Rewards Checking
No NSF Fees	X	X
Courtesy Pay		X
Debit Card Access	X	X
Debit Card Rewards		X
Free Cashier's Check (one per month)		X
Round Up	X	X
Online and Mobile Banking	X	X
Online Billpay	X	X
Mobile Deposit	X	X
Shared Branch Access	X	X
No Minimum Balance	X	X
Loan Rate Discount		X
Bonus Savings Dividends		X
High Yield Dividends		X
No Monthly Maintenance Fee	X	Fee can be waived by meeting the account requirements.

CDFI (Community Development Financial Institution):

We're proud to be a Community Development Financial Institution (CDFI) credit union with a holistic approach to banking and lending. Our mission is to be THE resource that strengthens and rebuilds our communities by empowering our members to achieve their financial dreams. We go beyond traditional lending criteria, prioritizing our relationship with each member. Being a CDFI means we offer more than just products and financial literacy—we provide personalized solutions and support to help you thrive. Experience the difference at Peoples Advantage FCU and achieve your financial dreams. As a CDFI, we are committed to providing financial services that support savings and lending for individuals in areas with limited access to adequate banking options. Managing finances is simple with the right tools and resources we offer.

Always with you.

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