Accounts Offered - Personal & Business

High Yield Checking                           

High Yield Checking Account at Trona Valley FCU

This High Yield Checking account gives you world-class returns on your money without costing you a thing.

You will earn up to 4.00% APY* on your balance each Monthly Qualification Cycle, and get ATM fee refunds*; not just at one of our branches, but nationwide. With High Yield Checking, every ATM is your ATM! Plus, there is no minimum balance required to earn your rewards. Just a great checking account with rewards you deserve!

  • 4.00% APY* on balances up to $15,000
  • 4.00 to 0.35% APY* on balances over $15,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met
  • ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing and debit card use
  • Free Visa® debit card
  • Free online banking and free bill pay
  • Free eStatements required to receive earnings
  • Nationwide access to over 5,000 branches through Shared Branching
  • Overdraft Privilege available
  • No minimum to open
  • Opened upon approved credit

Plus, you can get free automatic transfers and earn a second great interest rate by pairing this account with a free High Yield Savings account*.


Earning your rewards is so easy, you're probably already doing it! Just complete the following transactions and activities in High Yield Checking each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in free paperless eStatements each month
  • Have at least one monthly direct deposit, ACH automatic debit, or bill payment post and settle

If you don't qualify one cycle, don't worry! You'll still earn our base dividend rate, and you have the opportunity to get the higher rate and ATM fee refunds back the very next month.

*Annual Percentage Yield (APY) accurate as of 12/1/17. 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 $20 ($9.99 per single transaction) and credited to the account on the last day of the monthly statement cycle; (2) balances up to $15,000 receive APY of 4.00%; and (3) balances over $15,000 earn 0.35% APY on portion of balance over $15,000, resulting in 4.00% - 0.35% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle to the 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. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the last day of the current statement cycle. The advertised High Yield Checking APY is based on compounding dividends. If High Yield Checking is paired with High Yield Savings, dividends earned in High Yield Checking are automatically transferred to High Yield Savings each statement cycle and do not compound. Actual dividend amount paid may be less than advertised High Yield Checking APY. If qualifications are not met on High Yield Checking, all balances in High Yield Savings earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $9.99 or higher.