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Enjoy a free checking account that pays you back. This powerful account puts you in charge--by giving you more instead of taking more! And it's linked to your U-Save account for added savings power.


U-Earn is the preferred checking account for savvy customers.

Summary
  • Nationwide ATM fee refunds (up to $25)*
  • 0.64% APY* on daily balances up to $10,000
  • 0.64-0.19% APY, on daily balances over $10,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Linked to U-Save for automatic savings
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free online banking, bill pay and eStatements
  • Free Visa® Debit Card
  • Unlimited check writing
  • $50 minimum deposit to open

View our current rates.

Qualifications

Best of all, you don't have to jump over the Snake River on a motorbike to get the rewards. Just do the following on each monthly statement cycle:


• Have at least 10 debit card purchases post and settle

• Have at least one direct deposit or one automatic payment (ACH) post and settle


Yes, it's that easy! And if you miss a statement cycle, don't worry!

The account is still free and there's no penalty for not qualifying in a given cycle. And you get right back to earning interest and enjoying ATM refunds the next cycle you qualify.




*The minimum to open account is $50. You must be enrolled for and receive monthly eStatement notification to have this account. APY=Annual Percentage Yield. APYs accurate as of 10/22/2015. Rates may change after account is opened. For U-Earn, if qualifications are met each monthly statement cycle: (1) balances up to $10,000 receive APY of 0.64%, and balances over $10,000 earn 0.14% interest rate on portion of balance over $10,000, resulting in (2) 0.64% - 0.19% APY depending on the balance. If qualifications are not met on U-Earn, all balances earn 0.01% APY. Qualifying transactions must post to and settle U-Earn account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. The advertised U-Earn APY is based on compounding interest. U-Earn checking interest earned will be posted directly to associated U-Save account and does not compound. Actual interest amount paid may be less than advertised U-Earn APY. When any two of the three following conditions are met (1 ACH payment or 1 ACH Deposit or 10 debit card purchases post and settle your account during the statement cycle), ATM fees incurred on your U-Earn during that cycle will be refunded up to $25. ATM receipt must be presented for refund of an ATM fee greater than $5.00. If qualifications in U-Earn are met each monthly statement cycle: (1) balances up to $10,000 in U-Save receive an APY of 0.54%; and (2) balances over $10,000 in U-Save earn 0.14% interest rate on portion of balance over $10,000, resulting in 0.54% - 0.18% APY depending on the balance. If qualifications are not met on U-Earn, all balances in U-Save earn 0.01% APY. The minimum to open a U-Save is $10. The U-Save APYs may be less than U-Earn APYs. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

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