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Smart Checking: The Right Choice For You

Posted on January 16, 2020 by Jake Ward, CMSE – VP of Marketing

What’s important to you? Is it quality time with family? Activities with friends? Achieving goals? We’ll help you make it happen with extra cash from R.I.A. Federal Credit Union. Start earning when you open a Smart Checking Account, today!

With Smart Checking, you not only get free checking and an unbelievable 2.00% APY* on balances up to $15,000, but you’ll also earn rewards like refunds on ATM fees by meeting monthly qualifications.

Enjoy these benefits when you open a Smart Checking Account at R.I.A. Federal Credit Union today:

Bill Pay

Never forget a bill again! When you open a Smart Checking Account with R.I.A. Federal Credit Union, you’ll have access to pay all your bills with just a few clicks of the mouse using our EZ Bill Payment. Simply log into our secure site and get it done fast. It's user-friendly, secure, and incredibly convenient.

R.I.A. Debit Card

When you open your Smart Checking Account and begin using the R.I.A. debit card, the rewards will add up.  

To qualify for the higher dividend rate and ATM fee refunds, here’s all you have to do:

  • Have at least 12 debit card purchases
  • Be enrolled in and receive eStatement notice
  • Have at least 1 automatic payment (ACH) or direct deposit

Earn rewards with no minimum balance requirements and no monthly fees. With a 2.00% annual percentage yield, Smart Checking is the right choice!

To open an account with us, you must first become a member. Have 5-10 minutes to spare? Complete your membership application and open your Smart Checking Account, today.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2020; the last dividend declaration date. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.10% APY dividend rate on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly 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. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings on the account.