Dividends Plus Checking

• 3.52% APY* on balances up to $10,000
• 3.52% to 0.26% APY on balances over $10,000 depending on balance in account*
• 0.05% APY* if qualifications aren't met
• ATM fee refunds nationwide (up to $25 monthly)*
• No monthly service fee
• No minimum balance to earn rewards
• Unlimited check writing
• Free online banking & bill pay
• Free mobile banking
• Free eStatements
• Free FAA FCU debit card
• $25 minimum deposit to open

Earning Rewards Is Easy

To earn your rewards, simply do the following activities and transactions in your Dividends Plus Checking account each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled and receive eStatement notice
• Have at least 1 automatic payment (ACH) auto debit or bill pay post and settle

It's as simple as that. If you don't qualify, don't worry. Your account is still free and still earns our base dividend rate. You can always get back to earning rewards the next cycle.

Qualifications 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 processed by merchants and received by FAA Federal Credit Union as ATM or PIN-based/signature based transactions and purchases made with non-FAA Federal Credit Union issued debit cards. "Monthly Qualification Cycle" means the current calender month.

Reward Information: When your Dividends Plus Checking account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $10,000 receive APY of 3.52%; and balances over $10,000 earn 0.26% interest rate on the portion of balance over $10,000, resulting in a range from 3.52% to 0.26% APY depending on the account's balance and (2) you will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $4.00 or higher.

When Dividends Plus Checking account qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded.

Dividends and ATM fee reimbursements will be credited to your Dividends Plus Checking account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 04/01/2024. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Monthly Direct Deposit and ACH debit or Bill Pay, enrollment in online banking, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a FAA Federal Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.