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Heritage High-Yield Checking™ Account
Earn 6.00% APY1 on Account Balances
Get rewarded for managing your money with Heritage High-Yield Checking™. When you meet simple qualifications, you'll earn a competitive Annual Percentage Yield (APY) on checking account balances up to $20,000.2 It’s the perfect account for those who maintain higher balances but still want easy access and flexibility with their funds.
How It Works
Earning a high dividend rate is simple! You can qualify by doing things you might already do, like shopping or direct depositing your paycheck. Here’s what you need each month to qualify:
Earning a high dividend rate is simple! You can qualify by doing things you might already do, like shopping or direct depositing your paycheck. Here’s what you need each month to qualify:
- At least 15 point-of-sale (POS) transactions each cycle
- At least one direct deposit or ACH each cycle
- Enrolled in eStatements
If you don’t qualify for the higher dividend rate in a given month, no worries! Your account still has no monthly fees3 and a variety of member benefits you can count on.
Not only will you earn a high rate, but you'll also enjoy no monthly service fees and easy access to a full suite of banking tools to manage your money with ease.
With Heritage High-Yield Checking you get:
6.00% APY1
Annual percentage yield is paid monthly to qualifying accounts.
No Monthly Service Fee
No service fees, ever.2
FREE Allpoint ATMs
FREE access to over 55,000 Allpoint Network ATMs worldwide.3
 Mobile App with Remote Check Deposit
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 eStatements
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 Online Banking with
Bill Pay
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 Mastercard® Debit Card
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 No Minimum Deposit
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For added peace of mind, add optional Overdraft Privilege or Credit Reserve to your account.
Testimonial
Heritage High-Yield Checking
“The employees have always provided outstanding service and I continue to enjoy the interest on my checking account.”
- Vince
Testimonial
Heritage High-Yield Checking
“This credit union isn't just about making money, they're about helping you.”
- Kristin
Meet with Us
Schedule an appointment to meet with a member representative at your nearest branch.
Get Instant Answers
To qualify for the 6.00% APY on up to $20,000, all you have to do is open the account, enroll in eStatements, and make sure that 15 point of sale transactions and 1 Automated Clearing House (ACH) or direct deposit posts during each Monthly Qualification Cycle.
No problem! You still have a free checking account that earns 0.01% APY, and can easily qualify the following Monthly Qualification Cycle.
A Monthly Qualification Cycle is based on the calendar month, during which you can qualify for 6.00% APY.
You can earn 6.00% APY on balances up to $20,000. Balances over $20,000 will continue earning interest, but at a lower rate.
There is no minimum checking account deposit. As long as you have $5 in a Share Savings account, you can open a Heritage High-Yield Checking account with any deposit amount.
For Your
Convenience
Easily access your monthly statements online.
Download the Credit Union West Mobile Banking app to access your account on the go.
Free Bill Pay makes it easy to automate online payments from your checking.
Transfer money into your account, review balances and more.
1Annual Percentage Yield (APY).
2 If qualifications are met each monthly qualification cycle: (1) Balances up to and including $20,000 receive an APY of 6.00 %; and (2) balances over $20,000 earn 0.05 % dividend rate on portion of balance over $20,000, resulting in a range from 6.00 % - 0.05 % APY depending on the balance. If qualifications are not met, all balances earn 0.01 % APY. Qualifying debit card transactions and credit card purchase transactions must post and settle to the account during monthly qualification cycle. Debit and credit card transactions may take one or more business days from the date transaction occurred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month. When using a promotion code - New membership account is subject to our normal approval process. $5 minimum balance required for membership account. Annual Percentage Yield on membership share account 0.01%. Rate may change after account is opened and fees could reduce earnings. Membership account must be opened for at least 90 days before bonus is available for use otherwise forfeited. Any taxes are the responsibility of the recipient and are reported on a 1099-MISC. Speak to a credit union representative for complete details.
3 ”no-fee” – No monthly service fee; however, fees incurred for overdrafts and/or stop payments may apply. Refer to our Fee Schedule and membership account agreement for further details.
4Foreign transactions may be subject to a foreign currency conversion fee. Fees assessed are determined by card processors. Refer to Membership Account Agreement for further details.
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