Rewards points and identity protection
Rewards is our most popular checking account for a reason: you earn CU SoCal Dream Points on Visa® Debit Card purchases, and receive powerful identity restoration services to help restore your credit profile if you experience identity theft. Rewards Checking carries a low monthly fee of $5.
Key advantages
Qualify for Rewards+
Having a Rewards Checking brings you one step closer to qualifying for Rewards+, our Member loyalty program. Receive up to $200 worth of financial benefits a year, including fee waivers, an auto loan discount, and reward points bonus!
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Powerful identity restoration services
Rewards Checking Members receive automatic coverage for full-service identity restoration through nxg|PROTECT for more than 30 kinds of identity theft. The service provides 24/7 access to a dedicated privacy advocate to fully manage and restore your identity.
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24/7 mobile access
Our highly-rated Mobile App is fast and easy to use. View your transactions, make transfers, deposit checks, set alerts, control your debit and credit cards, check your credit score, and access many other powerful transaction features 24/7.
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Earn reward points on purchases
Earn CU SoCal Dream Points when you buy gas, groceries, household goods, takeout meals, and other routine daily expenditures, helping to further stretch your dollars. It's easy to redeem your points in Online or Mobile banking.
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More free ATMs
Access 30,000+ surcharge-free ATMs, including locations like 7-11, Costco, and Circle K locations. That’s an ATM network larger than most big banks! Use our Mobile App to find a free ATM, no matter where life takes you.
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Get paid early with direct deposit
Setting up direct deposit for your Rewards Checking account gives you up to two days early access to your paycheck. Combined with bill pay in Digital Banking and automatic savings transfers, you can put your money management on auto pilot.
Learn MoreEveryone deserves to be rewarded
In this life, we can all use more rewards. Rewards Checking ensures you’re earning CU SoCal Dream Points with debit card purchases, while having 24/7 Digital Banking access to manage your money with speed and convenience.
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- All new accounts will be verified through ChexSystems® and are subject to approval. Member must be 18 years and older and accounts with CU SoCal must be in good standing. Account must use a SSN or ITIN, not an EIN. A $2 monthly paper statement fee will be applied to the primary savings account for Members ages 18-63 who are not enrolled in eDocuments. If funds are unavailable in the primary savings account, the fee will be transferred to that account from the secondary savings, checking, or money market account. For Members without a primary savings account, the fee will be applied to the checking account or money market account.
- Qualified purchases are all CU SoCal Debit and Credit Card purchases except: cash advances; balance transfers; convenience checks; quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks); finance charges, fees, and credit insurance, purchases made by or for a business, unauthorized/fraudulent transactions, debit card purchases for less than $1.50. Qualified debit purchases will result in one (1) point for every three dollars ($3) spent, rounded at each increment of $1.50. Bonus points are occasionally awarded for merchant specific and CU SoCal special promotions. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. If the transaction is reinstated, the points will be reinstated.
- Available to all named account holders, and extends to three generations of your family. Family members include the primary account holder, primary account holder’s spouse or domestic partner, primary account holder’s dependents under the age of 25 with the same permanent address, any IRS-qualified dependents of the primary account holder, and primary account holder’s parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services continue up to 12 months after death for all family members.
- Blake Ellis, CNN Money (February, 2014), http://money.cnn.com
- Bob Sullivan, Identity Theft Is Skyrocketing And Getting More Sophisticated (February, 2018), https://www.marketwatch.com
- Bob Sullivan, ID Theft Sets A New Record High—And Now Criminals Are Coming For All Your Accounts (February, 2018), https://bobsullivan.net.
Rewards checking rates
| Account Type | Minimum to earn dividend | Dividend rate | APY1 |
|---|---|---|---|
|
Account Type:
Rewards Checking |
Minimum to earn dividend:
$.01 |
Dividend rate:
0.10% |
APY1:
0.10% |
|
Account Type:
Classic Checking |
Minimum to earn dividend:
N/A |
Dividend rate:
N/A |
APY1:
N/A |
1. APY is Annual Percentage Yield. To earn the Rewards Checking dividend rate you must have ten (10) signature-based and/or PIN based debit card purchases each monthly statement cycle. If the requirement is not met, you will earn .05% APY on your checking account balance. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period. Rates are accurate as of December 1, 2024 and are subject to change.
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