Bonus Checking benefits and FAQs

Earn more with Numerica's Bonus Checking. Enjoy high dividends, ATM fee refunds, and modern conveniences like Round Up to Savings. Open your account today!

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Checking that goes beyond

Enjoy the cha-ching of Bonus Checking

  • With 2.00% APY on balances up to $25,000 (0.05% APY above $25,000)*, you could earn up to $500+ in dividends** when monthly qualifiers are met
  • Access to our Round Up to Savings program
  • ATM fees refunded — up to $25 a month***

START EARNING TODAY

If you’re an existing member, adding an account is easy. Get in touch.

Bonus Checking FAQs

What is a high-yield checking account?

This is an account that functions just like a regular checking account — but with higher dividend rates. In most cases, you must meet certain qualifiers to earn the higher rates.

What are the qualifiers to earn dividends with Bonus Checking?

Earning dividends through Bonus Checking is easy.

  1. Sign up to receive your statements electronically.
  2. Use your Numerica debit or credit card for a combination of 12 transactions of $5 or more each month.

What is APY?

APY stands for annual percentage yield. It reflects the amount of money, or dividends, you earn on money in a bank account over one year.

Why is this a smart time to open a high-yield checking account?

You should expect your checking and savings accounts to earn you dividends — no matter what's happening in the economy. It’s never smart for your money to sit in a low-rate account and not grow. 

This is especially true when you factor in inflation. As the costs for goods and services grow, you want your money to retain as much value as possible in the marketplace. A high-yield checking account is a great way to make sure your money is growing every day.

Should I keep my money in savings or high-yield checking?

Normally, a savings account is the perfect place to grow your cash. And it still is. Numerica’s Bonus Saver account is a great example. There is also a benefit to storing money away from the account you use for daily life to make sure it’s left alone to grow.

But the most important thing is that your money is making money. With Bonus Checking, you receive all the benefits of a checking account — plus earn high rates more commonly found on a great savings account.

*

APY = Annual Percentage Yield. Rates effective as of 03/21/2025 and are subject to change after account opening. Fees may reduce earnings. Earn 2.00% APY on the first $25,000 and 0.05% APY on balances $25,000.01 and above by meeting these Bonus Checking qualifiers during each monthly qualification cycle: (a) make 12 transactions of $5 or more that settle to your account using your Numerica Visa debit or credit card, and (b) receive your statements electronically (eStatements). If either monthly qualifier is not met, no dividends will be paid. The minimum opening deposit required for this account is $25. Limit one Bonus Checking account per person. A monthly fee will be charged for paper statements (one fee per membership number). Members can avoid this fee by enrolling in eStatements for their accounts through Online Banking or the Mobile App. Please see Fee Schedule for more information.

**

Up to $500 in dividends is not guaranteed when opening a Bonus Checking account. In order to earn up to $500 in dividends, an account balance of at least $25,000 must be maintained, and monthly qualifiers must be met, for 12 consecutive monthly qualification cycles.

***

Monthly qualifiers for Bonus Checking must be met for ATM fees to be refunded.

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