{"id":2727,"date":"2011-08-16T15:29:15","date_gmt":"2011-08-16T15:29:15","guid":{"rendered":"https:\/\/stpaulfcu.orginterest-checking\/"},"modified":"2025-12-22T09:31:40","modified_gmt":"2025-12-22T15:31:40","slug":"interest-checking","status":"publish","type":"education","link":"https:\/\/stpaulfcu.org\/education\/interest-checking\/","title":{"rendered":"4.99% APY Checking Accounts"},"content":{"rendered":"\n
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Simplify and Earn!<\/h2>\n\n\n\n
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Open An Account<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

Now you can simplify your life and earn up to 4.99% APR* on your St. Paul Federal Credit Union checking account for balances up to $20,000, just for utilizing debit card, eStatement, and direct deposit services.<\/p>\n\n\n\n

How it Works<\/h3>\n\n\n\n
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<\/span><\/div>\n\n\n\n

Make at least 20 debit card purchase transactions per statement cycle to qualify. (Average purchase transaction of $5.00)<\/em><\/p>\n<\/div>\n\n\n\n

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<\/span><\/div>\n\n\n\n

Earn 2.99% APR on balances up to $10,000 when you use your debit card to make at least 20 purchases per month.<\/p>\n<\/div>\n\n\n\n

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<\/span><\/div>\n\n\n\n

Earn 3.99% APR on balances up to $15,000 when you use your debit card to make at least 40 purchases per month.<\/p>\n<\/div>\n\n\n\n

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<\/span><\/div>\n\n\n\n

Earn 4.99% APR on balances up to $20,000 when you use your debit card to make at least 60 purchases per month.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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<\/span><\/div>\n\n\n\n

Sign up for eStatements and login to eBanking monthly<\/p>\n<\/div>\n\n\n\n

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<\/span><\/div>\n\n\n\n

Have a recurring direct deposit into your checking account. (At least 2 direct deposits of $500 each from a qualified payroll or pension provider required)<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

<\/div>\n\n\n\n
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Your enrollment is automatic when the requirements are met each month.<\/p>\n\n\n\n

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Open An Account<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
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TERMS & CONDITIONS: No Monthly service fee. Maintenance and activity fees do not apply. Other fees may apply, such as overdraft fee, and insufficient funds fee. See the Account Disclosures for terms and fees that may apply. *APR = Annual Percentage Rate. APY = Annual Percentage Yield. Bonus Annual Dividend Rate of up to 4.99% will be paid on balances up to $20,000 as long as cycle requirements are met. Balances above the qualified tiers will be paid the default current rate of your respective checking account (Capital Checking account pays no dividends). If requirements are not met during statement cycle, account will function as your default checking account and earn the stated default APY. Requirements for earning the bonus dividend rate include: 20 debit card purchase transactions (excluding ATM transactions) per statement cycle to meet base bonus dividend tier, 40 debit card transactions (excluding ATM transactions) per statement cycle for the mid-level bonus tier, 60 debit card transactions (excluding ATM transactions) per statement cycle to meet the top bonus dividend tier, enrollment into eStatements through eBanking and monthly login to eBanking, and at least 2 recurring direct deposit or $500 or more from a qualified payroll or pension provider per statement cycle. Debit card transactions must be for an average purchase amount of $5.00 or more. Multiple transactions or sequences for the same or similar dollar amounts, or significant small purchase amounts, or other abusive account activity, not in normal activity patterns, may be deemed in violation of terms of this program and will subject the account holder to a six month termination of the Simply Checking Rewards program and its bonus dividend payments. After six months, the account will be reviewed to determine future eligibility. Rates, terms, and fee are subject to change at any time. Account opening is subject to approval.<\/p>\n\n\n\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

Simplify and Earn! Now you can simplify your life and earn up to 4.99% APR* on your St. Paul Federal Credit Union checking account for balances up to $20,000, just for utilizing debit card, eStatement, and direct deposit services. How it Works Make at least 20 debit card purchase transactions per statement cycle to qualify. 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