Perfect Sense Checking
If you're hearing a little more howling than usual lately, don't blame it on the coyotes! It could be your neighbor, howling with excitement about the huge money their high-interest checking account pays them.
Perfect Sense Checking from Zia Credit Union earns 2.48% Annual Percentage Yield. Plus, you'll receive unlimited ATM fee refunds—not just in Los Alamos and Espanola, but nationwide. Qualifying couldn't be easier, and there's never a minimum balance to earn rewards.
- Summary
- Earn 2.48% APY* on balances up to $15,000 when qualifications are met
- Earn 0.30% APY* on amount of balance over $15,000 when qualifications are met
- Earn 0.05% APY* on entire balance if qualifications aren't met
- Unlimited ATM fee refunds nationwide
- No minimum balance requirement to earn rewards
- Unlimited checking
- Free online banking with bill pay
- Free eStatements
- Free debit card
- Overdraft protection available
- $25 minimum deposit to open account
Take a look at our current rates.
It couldn't be easier to qualify for your rewards. Simply do the following each monthly qualification cycle:
- Have at least 12 debit card purchases post and clear
- Receive free eStatements instead of paper statements
- Have 1 direct deposit OR online bill payment OR automatic debit post and clear
That's it. Three simple things that make your life easier—and now earn you a whole lot of cash!
But if you don't qualify, don't worry. There's no penalty. Your account still earns our base rate of interest. You can get right back to earning the highest interest rate and ATM fee refunds the very next cycle.
Minimum to open account is $25. Annual Percentage Yield 2/24/12. Rate tiers are as follows: 2.48% APY applies to balances of $0 - $15,000 and 0.30% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.48% - 0.30% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. Earn nationwide ATM fee refunds each cycle the qualifications are met.
