SHINE Checking

SHINE Checking is an interest-bearing checking account created with simplicity and convenience in mind. To qualify, simply use your debit card to make at least 12 purchases each qualification cycle, enroll and receive e-Statements, and set up a direct deposit or automatic debit on your account .*   The services included with SHINE Checking will make life simpler and more convenient. You'll be rewarded just for using them!

Benefits

All SHINE Checking accounts include:

  • No minimum balance
  • No monthly service charge
  • Online banking with Web Bill Pay
  • Unlimited check writing
  • Nationwide ATM fee refunds*
  • High yield returns
    • 0.75% APY** on balances up to $25,000
    • 0.20% APY** on balances over $25,000
    • 0.10% APY** even if you don't qualify!  (See qualifications below.)

Qualifiers

To qualify for our SHINE Checking account, you must meet the following criteria during each qualification cycle:

  • 12 debit card purchases that post and clear within the qualification cycle 
  • Direct Deposit or automatic draft that post and clear within the qualification cycle
  • Enroll and receive monthly e-Statements

SHINE Plus Savings

SHINE Plus is a savings account designed specifically for our SHINE Checking account holders. This account benefits customers who want to save more at a higher rate while keeping their savings and checking accounts separate.

SHINE Plus savings account customers can enjoy:

  • High Yield Returns
    • 0.45% APY*** on balances up to $25,000
    • 0.20% APY*** on balances over $25,000
    • 0.10% APY*** for any balance
  • Interest earned on your SHINE Checking and ATM refunds will sweep monthly into your SHINE Plus Savings.
  • No monthly fee for minimum balances.

    Qualifiers

    In order to be eligible for SHINE Plus you must already have SHINE Checking account or open one before enrolling. Please refer to the SHINE Checking qualifiers list above to see how you can enjoy these benefits!

    SHINE Plus accounts have a minimum starting balance of $50.

    *Up to $4.99 per transaction with a maximum of $25 per month. 

    **Annual Percentage Yield (APY) effective as of 3/20/2014. $50 minimum deposit to open. APY of 0.75% paid on balances up to $25,000; 0.20% APY paid on balances over $25,000, and ATM fees refunded if the following requirements are met each qualification cycle: direct deposit or ACH auto debit, e-Statement, and 12 debit card point-of-sale purchases that pass and clear within the qualification cycle.  Qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If requirements are not met, APY of 0.10% will be paid on entire balance and no ATM refunds will be applied. Rates subject to change after account opening. Fees may reduce earnings. Minimum balance to earn interest - You must maintain a daily balance of $0.01 to obtain the disclosed annual percentage yield. Powered by BancVue. 

    ***Annual Percentage Yield (APY) effective as of 3/20/2014. $50 minimum deposit to open. APY of 0.45% paid on balances up to $25,000; 0.20% APY paid on balances over $25,000, and ATM fees refunded if the following requirements are met each qualification cycle: direct deposit or ACH auto debit, e-Statement, and 12 debit card point-of-sale purchases that pass and clear within the qualification cycle. Qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If requirements are not met, APY of 0.10% will be paid on entire balance and no ATM refunds will be applied. Rates subject to change after account opening. Fees may reduce earnings. Minimum balance to earn interest - You must maintain a daily balance of $0.01 to obtain the disclosed annual percentage yield. Powered by BancVue.