Sooper Cash Checking Account

Rewards Include:
– 5.00% APY*
– No minimum balance**
– No monthly service fees
– Free Mastercard^® Debit Card
– Overdraft Protection****

Requirements to Earn Rewards:
– At least 15 debit card purchases
– Enroll in eStatements
– Deposit at least $500 via Direct Deposit/ACH transactions into your account during the qualification cycle***

*APY = Annual Percentage Yield effective as of August 1, 2023, and subject to change at any time. No minimum balance. Fees may reduce earnings.
**If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to the account on the last day of the monthly statement cycle; (2) balances up to $14,999 receive APY of 5.00%; and (3) balances over $14,999 earn 0.50% interest rate on a portion of balance over $14,999. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count toward qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. Other checking account fees could reduce earnings.
***$500 minimum can be met with one or multiple transactions.
****We will charge a fee of up to $30 each time we pay an overdraft created by check, other transactions made using your checking account number, automatic bill payments, everyday debit card transactions, and ATM transactions.
Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Sooper Credit Union typically does not pay overdrafts if your account in not in good standing, you are not making regular deposits, or you have had excessive overdrafts.

Monthly Qualification Cycle Dates

Manage your account worldwide with free Online and Mobile Banking and free eStatements. In the U.S. funds are accessible at nearly 30,000 surcharge-free CO-OP ATMs and over 5,600 CO-OP Shared Branch locations.

There is no charge for the Sooper Mobile Banking App; however, charges from your mobile service provider may apply.