{"id":1988,"date":"2024-06-04T15:37:46","date_gmt":"2024-06-04T15:37:46","guid":{"rendered":"http:\/\/hope-cu.local\/?post_type=product&#038;p=1988"},"modified":"2024-09-03T14:12:08","modified_gmt":"2024-09-03T18:12:08","slug":"rewards-checking","status":"publish","type":"product","link":"https:\/\/www.hopecu.org\/product\/personal\/checking\/rewards-checking\/","title":{"rendered":"Rewards Checking"},"content":{"rendered":"\n<div class=\"wp-block-columns hope-product-content-layout is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column hope-product-content-side is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33\">\n<h2 class=\"wp-block-heading hope-product-heading\">A free account that can put cash back in your pocket.<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column hope-product-content-main is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66\">\n<div class=\"wp-block-group alignfull hope-product-content\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-hope-color-1-color has-text-color has-link-color wp-elements-38d74f8e5339395e1a8142b6935131dc\"><strong>Earn up to 5.12% APY\u00b9 each month with no fee and no minimum balance!<sup>2<\/sup><\/strong><\/h2>\n\n\n\n<div style=\"height:2rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size\">If you\u2019re ready for your financial institution to show you some love, you\u2019re ready for a HOPE Rewards Checking account!<sup>3<\/sup><\/p>\n\n\n\n<p><strong>Here\u2019s what you get: <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A free account with no monthly service charge<\/li>\n\n\n\n<li>No minimum balance requirements<\/li>\n\n\n\n<li>Cash paid into your account each month<sup>4<\/sup><\/li>\n\n\n\n<li>Free digital banking service, including our bill payment feature<sup>5<\/sup><\/li>\n\n\n\n<li>Refunds on up to $20 in ATM fees<sup>6<\/sup><\/li>\n<\/ul>\n\n\n\n<p><strong>How much can you earn?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Without doing anything, you get 0.10% APY<sup>1<\/sup> on all balances<\/li>\n\n\n\n<li>Turbocharge your earning by meeting the simple qualifying criteria each month:<ul><li>5.12% APY<sup>1<\/sup> on all balances up to $10,000<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>0.50% APY<sup>1<\/sup> on all balances over $10,000<br><br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>So what does it take to get that bonus rate? It\u2019s pretty simple! Each month<sup>7<\/sup> you need to:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Have 12 debit card transactions post to and clear your account<sup>8,9<\/sup><\/li>\n\n\n\n<li>Log on to HOPE\u2019s digital banking (online or mobile) just once<sup>5<\/sup><\/li>\n\n\n\n<li>Sign up for and receive e-statements<\/li>\n\n\n\n<li>Have at least one direct deposit or automatic payment (ACH) clear your account<sup>8<\/sup><br><\/li>\n<\/ul>\n\n\n\n<p>What if you don\u2019t qualify during a particular month? Don\u2019t worry! You still get the base rate paid back into your account. Then, just meet the criteria the next month to earn the bonus rate.<br><br>Still want to earn more? Our HOPE Rewards Checking Plus account adds a connected HOPE Rewards Savings Plus account.<\/p>\n\n\n\n<div class=\"wp-block-buttons product-ctas is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-hope-color-1-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/apply.hopecu.org\/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD_7OovHWtbmdruV5ckyr02fvpJwHI3-YLeMTAfEZ5Lzz3boZhDPiRWcEvV0l1cdVqwLpgtIznf2FzM0HaAqkQJs\" target=\"_blank\" rel=\"noreferrer noopener\">Open Account<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-hope-color-5-color has-white-background-color has-text-color has-background wp-element-button\" href=\"#compare\">Compare Accounts<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-hope-color-1-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.hopecu.org\/rates\/\">See Rates<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:2rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<section id=\"compare\" class=\"wp-block-group hope-page-wrapper has-hope-color-7-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><\/div><\/section>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-hope-color-1-color has-text-color has-link-color wp-elements-b0eaf9e3b14e47326ea0bee2312b8a86\"><strong>Checking Account Comparison Chart<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table comparison\"><table><thead><tr><th><\/th><th>Easy Checking<\/th><th>Easy Checking Plus<\/th><th>HOPE Rewards Checking<\/th><th>Student Checking<\/th><th>HOPE Choice Card<\/th><\/tr><\/thead><tbody><tr><td>Opening Balance Requirement<\/td><td>$25<\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><\/tr><tr><td>Minimum Balance<\/td><td>$25<\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><td>$0<\/td><\/tr><tr><td>Monthly Fee<\/td><td>$9.95<br><small>Waived with $200 Minimum Balance<\/small><\/td><td>$7.95<br><small>Waived with $250 Minimum Balance<\/small><\/td><td>$0<\/td><td>$0<\/td><td>$4<\/td><\/tr><tr><td>Unlimited Transactions<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Electronic Transactions<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Paper Checks<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Free HOPENet Online Banking<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Free HOPENet Online Bill Payment<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Free HOPE Mobile Banking<sup>1<\/sup><\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><\/tr><tr><td>Free E-Statements<\/td><td>\u2713<\/td><td>\u2713<\/td><td>\u2713<\/td><td>&nbsp;\u2713 <small>$2.00 Monthly Paper Statement Fee<\/small><\/td><td>\u2713<\/td><\/tr><tr><td>Member Privilege Overdraft Protection Program<\/td><td>Available<br><\/td><td>Available<br><\/td><td>Available<br><\/td><td>Available<br><\/td><td>Available<br><\/td><\/tr><\/tbody><tfoot><tr><td><\/td><td><a href=\"https:\/\/www.hopecu.org\/personal\/checking\/\" data-type=\"page\" data-id=\"1931\">More&gt;<\/a><\/td><td><a href=\"https:\/\/www.hopecu.org\/personal\/checking\/\" data-type=\"page\" data-id=\"1931\">More&gt;<\/a><\/td><td><a href=\"https:\/\/www.hopecu.org\/personal\/checking\/\" data-type=\"page\" data-id=\"1931\">More&gt;<\/a><\/td><td><a href=\"https:\/\/www.hopecu.org\/personal\/checking\/\" data-type=\"page\" data-id=\"1931\">More&gt;<\/a><\/td><td><a href=\"https:\/\/www.hopecu.org\/personal\/checking\/\" data-type=\"page\" data-id=\"1931\">More&gt;<\/a><\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Important Account Information<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\"><br><sup>1<\/sup>APY = Annual Percentage Yield. APY is accurate as of 6\/4\/24. Rates may change after the account is opened.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>2<\/sup>There is no minimum balance required to open a HOPE Rewards Checking account. <\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>3<\/sup> Members must meet certain terms and conditions to open a HOPE Rewards Checking account. As primary accountholders, members are limited to one HOPE Rewards Checking account. No commercial account may participate in this program.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>4<\/sup>Dividends are paid on accounts with positive balances. <\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>5<\/sup>Your wireless carrier may charge data or text messaging fees. <\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>6<\/sup>If HOPE Rewards Checking qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to the account on the last day of monthly statement cycle; an ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to $10,000 receive an APY of 5.12%; and (3) balances over $10,000 earn a 0.50% dividend rate on the portion of the balance over $10,000. If qualifications are not met on HOPE Rewards Checking accounts, all balances earn 0.10% APY.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>7<\/sup>The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1 \u2013 March 31). Contact us for more information about the qualification cycle. The advertised HOPE Rewards Checking APY is based on compounding dividends. Dividends earned in a HOPE Rewards Checking Plus account are automatically transferred to a linked HOPE Rewards Savings Plus account each statement cycle and do not compound. The actual dividend amount paid may be less than the advertised HOPE Rewards Checking account APY. The HOPE Rewards Savings Plus APYs may be less than the HOPE Rewards Checking account APYs. If qualifications in a HOPE Rewards Checking Plus account are met each monthly qualification cycle: (1) balances up to $10,000 in HOPE Rewards Savings Plus receive an APY of 1.51%, and (2) balances over $10,000 in HOPE Rewards Savings Plus earn 1.01% dividend rate on a portion of balance over $10,000. If qualifications are not met on HOPE Rewards Checking Plus accounts, all balances in HOPE Rewards Savings Plus accounts earn 0.10% APY. At our discretion, we may change the dividends paid on all tiers, and\/or cap at any time. Fees may reduce earnings.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>8<\/sup>Qualifying transactions must post to and settle to the HOPE Rewards Checking account during the monthly qualification cycle. The qualification cycle is not the same as your monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. <\/p>\n\n\n\n<p class=\"has-small-font-size\"><sup>9<\/sup>Transfers between accounts do not count as qualifying transactions. ATM-processed withdrawals do not count as qualifying debit card transactions.<\/p>\n\n\n\n<div style=\"height:2rem\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A free account that can put cash back in your pocket. Earn up to 5.12% APY\u00b9 each month with no fee and no minimum balance!2 If you\u2019re ready for your financial institution to show you some love, you\u2019re ready for a HOPE Rewards Checking account!3 Here\u2019s what you get: How much can you earn? So [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","product_category":[239,237],"class_list":["post-1988","product","type-product","status-publish","hentry","product_category-checking","product_category-personal"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.3 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rewards Checking Account | Hope Credit Union<\/title>\n<meta name=\"description\" content=\"Open a HOPE Rewards Checking Account. Learn more about our rewards checking services today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hopecu.org\/product\/personal\/checking\/rewards-checking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rewards Checking\" \/>\n<meta property=\"og:description\" content=\"Open a HOPE Rewards Checking Account. 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