Rewards Checking, Simplified!
We created an easy way for you to start earning rewards on debit card purchases!
Earn up to 3.00% APY* with simple qualifications!
Looking for the best checking account for you? Look no further than our Rewards Checking! With no monthly fees, no minimum balance requirements and tiered dividends, you can open a checking account with confidence knowing you’re getting more for your money.
Rewards Tiers
When it comes to a better checking account, our Rewards Checking Account gets you more for your money. That’s because we always aim to have the best rewards checking accounts in town. Even our lowest tier earns you more than personal checking options at the big banks!
Dividends are determined based on monthly qualifications:
Tier 1 pays 1.50% APY* if a member:
Completes at least 20 debit card transactions**
Tier 2 pays 3.00% APY* if a member:
Completes at least 30 debit card transactions**
Track your rewards progress through Online Banking with our rewards progress bar!
Sign in to your Online Banking and select “accounts”. Under the dropdown menu, select “Rewards Progress”.
Or you can login here to go directly to your progress bar.
Great Benefits with our Rewards Checking Account
All it takes is a $5 minimum deposit to open a personal checking account with Del-One and start experiencing the many benefits
- Dividend tiers. When monthly qualifications are met, you could earn up to 3.00% APY* on balances up to $25,000.
- ATM fee refunds. Receive ATM fee refunds up to $15 each month when Tier 1 qualifications are met.
- Completely free, every month. There are no monthly maintenance fees nor minimum balance requirements on our checking accounts.
- Online and Mobile and telephone banking. Enjoy the convenience of banking wherever you have a secure internet connection. Whether from phone, tablet or computer, you can log in at any time to:
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- View your balances
- Pay bills and transfer money
- Receive and view eStatements
- Set alerts
- Deposit checks with your phone’s camera
- And more!
- Overdraft Protection options. Choose from three optional add-ons to protect your account from costly overdraft fees in the case of an honest mistake.
- Unlimited check writing and Visa® debit card usage. Every checking account comes with its own complimentary Visa debit card.
- Direct deposit available. Set up direct deposit and receive your paycheck up to two days early.
Open your free checking account online today!
More Checking Account Options
While each member can only hold a single Rewards Checking, members are able to open up to two additional Regular Checking accounts if needed. Regular Checking accounts are also free, with no minimum balances and no monthly fees. Unlike our Rewards Checking, Regular Checking accounts offer a flat interest rate and are not eligible for ATM fee refunds.
Make your choice, then open your credit union account online today!
Need More Checks?
Order Checks Online from Harland Clarke, our trusted provider
Checking Account Overdraft Options
By linking one of your other Del-One accounts as an overdraft source, we can move the necessary funds to your checking account in the event of an overdraft. That way, your transaction will still be paid, and you will avoid incurring expensive fees. There is just a $5 fee per overdraft transfer.
Eligible checking accounts may be covered by Premium Overdraft Protection (POP) . Instead of returning an item to the affected merchant, Del-One may pay the item, thereby saving you an additional return item charge from the merchant as well as a non-sufficient funds fee from the credit union. The eligible account has up to 30 days to be brought current, either through direct deposit, transfer of funds, or in-person branch deposit.
A $25 fee will apply each time a check, ACH, recurring debit card transaction, or debit transfer is presented, or payment is otherwise requested. This privilege costs nothing unless an item is covered. If your checking account is eligible and you already have overdraft protection, POP will only be in effect if there are not enough funds in the overdraft account to cover an item.
For more information on how to set up Premium Overdraft Protection on your account, stop by a branch or contact a member services representative.
As the name implies, an Overdraft Line of Credit is a specialized line of credit that helps cover transactions that would otherwise overdraw your checking account.* Funds borrowed against this line of credit can be repaid in affordable monthly payments.
*Credit approval, terms, and rates based on creditworthiness and other factors. Note: Loan products are not federally insured by the NCUA.
We’ve partnered with GreenPath™ to offer a plethora of financial education resources and courses designed to provide education and value to members exploring various products and services! Check out our co-branded free online course on checking accounts:
Online Course: CheckRight – Greenpath (English)
Cursos en Línea: CheckRight Español – Cuentas de Cheques – Greenpath (Spanish)
Start Getting Rewarded Today!
