Big rewards are no longer reserved for credit cards.
US Community Credit Union is excited to introduce Flex Rewards Checking, a new high yield checking account designed to give members something they rarely get from everyday banking: choice.
For years, consumers have been forced to choose between earning interest, receiving rewards, or simply settling for a checking account that does little more than hold their money. Flex Rewards Checking changes that by putting the power back in members’ hands.
With Flex Rewards Checking, you can choose the reward that best fits your financial goals. Whether that’s earning up to 4.00% APY on balances up to $10,000* or receiving up to $15 per month in cash back rewards*, this checking account was built around flexibility.
Why Flex Rewards Checking?
At USCCU, we know that no two members manage their money the same way.
Some members are focused on growing their balances through high-yield dividends. Others prefer immediate rewards they can use every month. Most want a checking account that works harder without making banking more complicated.
That’s exactly why Flex Rewards Checking was created.
Rather than offering a one-size-fits-all rewards structure, Flex Rewards Checking allows members to select the benefit that provides the most value for their unique financial situation.
It’s a fresh approach to everyday banking and one that reflects the evolving needs of today’s consumers.
More Than a Checking Account With Rewards
Flex Rewards Checking combines the convenience of everyday banking with meaningful perks designed to help members get more value from their accounts.
Members who qualify can enjoy either one of following:
- Earn 4.00% APY on balances up to $10,000*
- Receive 3% Cash Back rewards up to $15 per month*
Plus…
- Up to $10 per month in ATM surcharge refunds (if all monthly qualifications are met)
For anyone comparing the best high interest checking accounts available today, Flex Rewards Checking delivers a combination of flexibility, rewards, and relationship benefits that goes beyond traditional checking.
What Is a High Yield Checking Account?
A high yield checking account functions much like a traditional checking account, but with one major difference: it rewards you for your everyday banking activity.
Instead of earning little to no return, qualifying members can earn significantly more through competitive dividends or rewards.
You still get all the features you expect, including debit card access, direct deposit, digital banking, and mobile tools. The difference is that your account works harder for you.
For members looking for checking accounts with high interest, Flex Rewards Checking offers an opportunity to earn while maintaining access to their money for everyday spending.
Built for the Way You Bank Today
Flex Rewards Checking doesn’t just offer rewards. It also delivers the digital convenience members expect from a modern financial institution.
Features include:
- Digital wallet compatibility
- Digital card issuance
- Card controls and transaction alerts
- Instant issue debit cards
- Round-up savings transfers
- Mobile and online banking access
Whether you’re paying bills, making purchases, or monitoring your account from your phone, Flex Rewards Checking is designed to fit seamlessly into your daily routine.
Simple Requirements. Meaningful Rewards.
Qualifying for rewards is straightforward.
Each month, members simply need to:
- Make 15 debit card purchases of $10 or more per month (ATM transactions excluded)
- Receive at least $1,000 in aggregate direct deposits each month OR maintain a $500 average daily balance
- Access USCCU Digital Banking (online banking or mobile app) at least once per month
When qualifications are met, members can enjoy the reward option they’ve selected. If all qualifications are not met, a monthly fee applies (see Rate & Fee Schedule for full list of fees).
A New Way to Think About Everyday Banking
The launch of Flex Rewards Checking represents USCCU’s ongoing commitment to providing innovative financial solutions that help members achieve more with their money.
It’s more than a checking account. It’s an opportunity to choose how you’re rewarded, earn more from everyday banking activity, and enjoy benefits designed around your financial goals.
Whether you’re looking for a high yield checking account, a checking account with rewards, or simply a smarter way to manage your money, Flex Rewards Checking was built with you in mind.
Ready to choose your reward?
*Flex Rewards Disclosure:
APY=Annual Percentage Yield. Rates current as of 6-15-2026. Monthly reward received depends on option chosen; High Dividend or Cash Back. If High Dividend Reward is chosen: APY is 4.00% and will be paid on balances up to $10,000 if Qualifying Monthly Requirements are fulfilled within the calendar month. Accounts that do not fulfill requirements within the calendar month will receive .05% APY. All balances over $10,000 will receive .05% APY. If Cash Back Reward is chosen: A cash rebate of 3.00% of the amount of debit card purchases posted to your account during the calendar month will be paid up to a maximum of $15 per month, if Qualifying Monthly Requirements are met. Qualifying Monthly Requirements for both options include A) minimum 15 debit card purchases of $10 or more, excluding ATM transactions, B) aggregated direct deposit of $1,000 OR $500 average daily balance; and C) access digital banking. Monthly Fee may result if none of the Qualifying Monthly Requirements are met during the calendar month. Rates and terms based on requirements. Rates subject to change without notice. Minimum initial deposit is $50. Reimbursements for nationwide ATM withdrawal fees incurred within your Flex Rewards Checking Account will be made up to an aggregated total of $10 per calendar month ONLY if Qualifying Monthly Requirements for the account are met for that calendar month. Membership required. Terms, conditions, and restrictions apply. Insured by NCUA.