Hometown Advantage Growth Checking
Checking account that pays you interest on your balance, plus refunds on ATM withdrawal fees*
Details
•Free Checking that pays a really high rate
•4.00% APY on balances up to $15,000
•No interest paid if qualifications are not met
•Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
•Link to Hometown Advantage High Yield Savings to grow your savings even more
•Free digital banking services including:
•Free UCOnline Internet banking with UCOnline Bill Pay
•Free UCMobile banking with Mobile Check Deposit
•Free eStatements
•Free Debit Mastercard®
•$100 minimum deposit to open
•$8 service fee ONLY if qualifications are not met
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Growth Checking account during each Monthly Qualification Cycle:
•At least 12 debit card purchases
•At least 1 direct deposit or ACH transaction
•Be enrolled in and review eSatements
•Maintain Minimum balance of $1,500
Contact us for more information or visit any of our branches to open your Hometown Advantage Growth Checking account.
Hometown Advantage Growth Checking Disclaimer
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $1, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
When Growth Checking qualifications are met during a Monthly Qualification Cycle, daily balances from $1,500.00 up to $15,000.00 in your Growth account earn an interest rate of 3.94% resulting in an APY of 4.00%, resulting in a range from 0.00% to 4.00% APY depending on account balance. The portion of the balance over $15,000.00 will not earn interest.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Reward Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Growth Checking account qualifications are not met, no interest is paid and ATM withdrawal fees are not refunded.
Interest and nationwide ATM withdrawal fee reimbursements will be credited to your Growth Checking account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$100 minimum deposit is required to open the account.
Limit of one (1) account(s) per Social Security Number.
A monthly maintenance fee of $8 will apply ONLY if qualifications are not met.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
