Choose Your Reward with Smart Rewards Checking

HUECU is providing new benefits for members with two new Smart Rewards Checking accounts. With no maintenance fees of any kind, you are free to choose the reward structure that’s right for you: get cash-back every month or earn premium interest on your account balance.

Smart Rewards Checking was designed to meet the specific needs and requests that we’ve heard from HUECU members. With cash-back, earn 3% cash-back¹ every month on your debit card purchases up to $10 per month — a great option if you’re someone who uses their debit card frequently. With premium interest, you can earn 2% APY² on up to $10,000; so if you like to keep larger balances in your account, then this checking option was created with you in mind. Smart Rewards checking also refunds up to $25 in ATM fees each month that you qualify. Rewards are unlocked by meeting just three basic requirements each month: 12 debit card purchases, one online login, and receiving your statements electronically.

With Smart Rewards Checking, we’re offering all of our traditional benefits with added reward structures designed to meet your unique needs so that you can compare rewards and choose the checking account that best meets your personal financial goals and lifestyle.

To learn more about Smart Rewards Checking click here. You can also use the quick and easy online application form to add a checking account.

Qualifications: Transactions and activities must post and settle during the Monthly Qualification Cycle in order to qualify, which may take one or more days from the transaction. “Monthly Qualification Cycle” begins on the final day of the prior statement cycle and runs through the day prior to the last day of the current statement cycle. View specific Monthly Qualification Cycle dates.

1. Smart Rewards Checking with Cash Back Rewards:When Smart Rewards qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on debit card purchases that post and settle to the account during that cycle. A maximum of $10 cash back may be earned per Monthly Qualification Cycle. When your Smart Rewards account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

2. Smart Rewards Checking with Premium Interest Rewards:When your Smart Rewards Checking with Premium Interest account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in the account earn an APY of 2.00% and daily balances over $10,000 earn a dividend rate of .10% on the portion of the daily balance over $10,000. When your Smart Rewards Checking with Premium Interest account qualifications are not met, the entire daily balance in the account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY, and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Smart Rewards Checking with Premium Interest account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 02/02/2021.

Additional Information: Rates, rewards, and bonuses, are variable and may change after account is opened. Rates may change without notice. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. There are no recurring monthly maintenance charges or fees to open or close this account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Smart Rewards checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the information we receive does not identify the fee.