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nHanced Checking:

Additional Account Information:

Available to personal accounts only

Only one (1) nHanced Checking account per Taxpayer Identification Number.

Additional fees may be incurred for the following items: check orders, Overdraft Privilege fees, Returned Item fees, Insufficient Funds fees, Transfer fee, Statement Copy fees (other fees may apply). Imposition of these fees may result in reduced earnings on your account.

¹APY=Annual Percentage Yield. APYs accurate as of August 1, 2023. The interest rate and the APY may change daily after account is opened based on the determination of the credit union board of directors. No minimum deposit to open. If qualifications are met each Monthly Qualification Cycle: 1. ATM fees incurred during Qualification Cycle will be reimbursed and credited to account on the last day of monthly statement cycle; 2. balances up to $25,000.00 receive an APY of 3.25%; and 3. balances over $25,000.00 earn a Dividend Rate of 0.15% on portion of balance over $25,000.00, resulting in an APY of 0.76-3.25%, depending upon the balance. Qualifying transactions must post to and settle account during Monthly Qualification Cycle. Transactions may take one (1) or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" refers to the first day to the last day of the month. Fees may reduce earnings. Only one (1) nHanced Checking account per Taxpayer Identification Number.

A posted transaction occurs when funds are actually withdrawn from the account. Posted debit purchases may vary by merchant; therefore, we have no control over these delays. Reversed debit card purchases will not count toward the required total. Debit card transactions processed by merchants and received as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received as POS transactions count towards qualifying debit card transactions.

²Balances over $25,000 earn a Dividend Rate of 0.15% on the portion of the balance over $25,000, resulting in an APY range of 3.25%-0.76% depending on the balance.

³Unlimited ATM fee refunds per Monthly Qualification Cycle when requirements are met. ATM receipt must be presented within sixty (60) days of the transaction for reimbursement of an individual ATM fee of $5.00 or higher.