Flex Rewards Checking – A High Yield Checking Account
Flex Rewards Checking: The High Yield Checking Account Built for You
A Checking Account with Rewards That Fits Your Lifestyle
Why settle for one reward when you can choose what works for you? Flex Rewards Checking gives you the power to earn high-yield dividends or cash back rewards, plus ATM surcharge refunds and exclusive bonus offers. Whether growing your balance or earning while you spend, FLEX puts flexibility first.
Choose Your Reward Style:
4.00%
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OR |
3%
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Plus
- Get up to $10 in ATM surcharge refunds each month if all Qualifying Monthly Requirements are met (monthly requirements listed below)
Flex Rewards High Yield Checking Account Features & Benefits:
FLEX Rewards Checking was built for people who want more from everyday banking. As one of today’s best high interest checking accounts, Flex Rewards Checking combines convenience, flexibility, and rewards in one place. If you’ve been looking for a checking account with rewards, checking accounts with high interest, and competitive high yield checking account rates, Flex Rewards Checking gives you the ability to choose how your account works for you.
OPTION 1:
Earn Up to 4% APY
Watch your money work harder with high-yield dividends on balances up to $10,000.
OPTION 2:
Choose 3% Cash Back Rewards
Prefer rewards you can use today? Receive up to $15 per month in cash back.
BONUS:
ATM Refunds Included
Get up to $10 per month in ATM surcharge refunds (if qualifications are met).
What is a High Yield Checking Account?
More Earnings. More Flexibility. More You.
A high yield checking account works similarly to a traditional checking account but gives you opportunities to earn more from your everyday banking activity. Instead of earning little or no return, a FLEX Rewards Checking Account offers you the choice of either higher dividends or cash back rewards.
You still get all the everyday features you expect like debit card access, digital banking, direct deposit, and mobile tools, while unlocking rewards designed around how you bank.
How Does a High Yield Checking Account Work?
Use Your Account Normally. Get Rewarded Differently.
FLEX Rewards Checking makes earning easy.
Use your debit card for everyday purchases, receive qualifying direct deposits, and maintain account activity. Once Qualifying Monthly Requirements are met, you’ll earn the rewards you selected:
✓ Earn 4.00% APY on balances up to $10,000
OR
✓ Receive 3% cash back rewards up to $15/month
Plus enjoy ATM surcharge refunds and access to digital tools designed to keep banking simple.
What are the Qualifying Monthly Requirements to receive these Flex Rewards?
Qualifying is simple:
Complete these monthly requirements:
- Make 15 debit card purchases of $10 or more per month (ATM transactions excluded)
- Have either: Aggregate direct deposits totaling $1,000+ per month OR maintain an average daily balance of $500
- Access USCCU Digital Banking (online banking or mobile app) at least once per month
If none of the qualifying monthly requirements are met, a $3 monthly fee applies.
Manage Your FLEX High Yield Checking Account On the Go
Bank wherever life takes you.
Features:
- Digital Wallet Ready – Add your debit card to your favorite digital wallet and pay with your phone.
- Digital Card Issuance – Access your card information quickly from the app.
- Card Controls & Alerts – Turn your card on/off and receive instant transaction notifications.
- Instant Issue Debit Cards – Walk out with your card and start using your account faster.
- Round-Up Savings Transfers – Round purchases up automatically and transfer spare change toward your savings goals.
Insured Up To $250,000
Your credit union certificates, savings and checking accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. This guarantees your deposits are safe and secure at the credit union.
*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.