- Get 1.00% APY* on balances up to $10,000
- No monthly fee
- No minimum balance to open or maintain account
- Access to over 30,000 surcharge-free ATMs and 5,000+ Shared Branches nationwide
To be eligible to earn APY, you must meet the following monthly requirements:
- Conduct 15 debit card transactions per month
- Enroll in Direct deposit
- Enroll in eStatements
Refer a Friend Today!
- Receive $10 when you refer a friend and they open a Checking Account.**
*Overdraft fees still apply for all checking types. Interest-Bearing Checking Account is a variable rate account. A minimum of 15 debit card transactions per month, direct deposit and eStatement enrollment is required to earn the advertised APY. No minimum balance to open or maintain account, and no minimum balance is required to earn the APY. Annual Percentage Yield (APY) is accurate as of 4/1/2017 and is subject to change at any time. Fees may reduce earnings on account. Dividends are compounded and credited monthly. **Refer a friend offer available to existing Democracy FCU members who refer a new member to the Credit Union. New member must open a new Free or Interest-Bearing Checking Account with debit card.