Momentum Checking Main | America's Credit Union

Momentum+ Rewards Checking

Banking that moves at your speed

Your money should work as hard as you do. Momentum+ Rewards gives you early paychecks, zero monthly fees ² , overdraft forgiveness ³ , and cash rewards that grow with your momentum. It’s checking built for real life; flexible, fast, and always in your corner.

A checking account without the usual restrictions

New member bonus up to $200 ⁴

Rewards grow with your direct deposit

Pair it with Momentum+ Savings for even more lift

Momentum+ Rewards

Monthly direct deposit amount:

Current Momentum+ Rewards Savings balance:

Estimated monthly dividend:

Estimated annual dividend:

Starting with a balance of , a Momentum+ Rewards Savings account will grow to in one year. Your deposit earns % interest on the first and 0.1% on the remaining balance. Based on those rates, your total interest earned will be .

A $9.99 monthly maintenance fee is automatically waived when your direct deposits total exceeds $600.00.

Why Momentum+ Rewards Works for You

Open Momentum+ Rewards

No monthly fees ² . No minimums. No nonsense - Keep more of what you earn. No hoops to jump through.
Earn rewards just for getting paid - Your direct deposits unlock bonus cash, such as a new member bonus ⁴ , overdraft forgiveness ³ , and higher dividends.
Earns dividends - Your direct deposit unlocks your earnings. The higher your monthly direct deposit, the higher your dividend rate, automatically. No hoops, no forms, no tracking.
Overdraft forgiveness ³ when life happens - Everyone hits a bump. Momentum+ Rewards Checking gives you a cushion so one slip doesn’t derail your week.
Get paid up to 2 days early ⁵ - Your paycheck shouldn’t make you wait. Access your money sooner so you can budget, plan, and breathe easier.
Get up to $35 monthly refund on ATM charges. - For accounts with monthly direct deposits exceeding $600, foreign ATM transaction fees are reimbursed up to a maximum of $35 per month.

Your Rewards, Your Momentum

Earn Up TO $200 New Member Bonus

Open a Momentum+ Rewards Checking and Savings account.
Set up monthly direct deposit.
Hit your deposit tier for 3 months. Your new member bonus ⁴ is paid automatically; no extra action required.
Want even more? Refer-A-Friend and earn $75 for every friend or family member that opens an account with America's CU.

No points. No conversions. Just real cash.

Open Momentum+ Rewards

A debit card that keeps your day moving

Secure, Simple, and Ready for Whatever’s Next.

$0 fraud liability - With Visa® Zero Liability, you are not responsible for unauthorized purchases if your Visa®
credit or debit card is lost, stolen, or used fraudulently, online or in-store.
Access over 40,000+fee-free ATMs - Conveniently access cash from over 40,000+ no-fee ATMs within the MoneyPass® ATM network. Find an ATM near you.
Digital wallet - Instantly start using your checking account by linking your debit card to your digital wallet so you can make secure purchases right away.
Contactless payments - Just tap your chip debit card at checkout for a quick, encrypted transaction without swiping or inserting.

Why Our Members Love This Account.

Straight from our members: the features that make banking feel easier, simpler, and more rewarding.

Banking finally feels like it fits my real life.

~Marucs L.

"I used to feel like my bank expected me to be perfect. Momentum+ rewards is the first account that actually works with the way I live. Getting paid early and having overdraft forgiveness has taken so much stress off my plate. It feels like my bank is actually on my team."

Getting paid early changed everything for me.

~Riley P.

"I live on a tight schedule, and waiting for payday always threw me off. With Momentum+ Rewards, my paycheck hits early, and suddenly, budgeting feels manageable. I’m covering bills on time, saving more, and not constantly playing catch‑up. It’s the breathing room I didn’t know I needed."

It rewards me for what I’m already doing.

~Sofia M.

"I don’t have time to jump through hoops. Momentum+ Rewards gives me rewards just for using my account like normal, direct deposit, everyday spending, the usual stuff. It’s simple, it’s fair, and it actually feels good to watch my rewards grow without extra effort."

Disclosures

¹ APY = Annual Percentage Yield

² A $9.99 monthly maintenance fee is automatically waived when your direct deposits total exceeds $600.00.

³ The account includes an Overdraft Forgiveness allowance based on your qualifying ACH deposits to be considered for the overdraft forgiveness. This means that if your account becomes overdrawn, the fee associated with the negative balance event may be forgiven up to three (3) times during a rolling 12-month period measured from the date the forgiveness is applied. ACH overdraft fees, NSF/Courtesy Pay fees, and overdraft transfer fees are processed as a credit at month-end when applicable. Overdraft Forgiveness does not apply to overdrafts exceeding your limits, repeated overdrafts, or overdrafts resulting from fraudulent or unauthorized activity. The account must be open ninety (90) days or longer, and the Momentum+ Rewards accounts must be in good standing. The credit union reserves the right to deny forgiveness if account misuse or abuse is suspected. Overdraft Forgiveness is provided at the credit union’s discretion and may be modified or discontinued at any time. Members remain responsible for monitoring their account activity and maintaining a positive balance.

⁴ Offer valid for qualifying new Momentum+ Rewards accounts. The one-time bonus eligibility is based on qualifying direct deposits received during the third full month-end cycle period after account opening, with the applicable bonus credited the following month. Qualifying direct deposits generally include payroll, pension, or government benefits and exclude person-to-person payments (including but not limited to Zelle®, Cash App®, PayPal®, Venmo®, or similar services), transfers, or deposits made by the account holder themselves. Determination of qualifying direct deposits is at the Credit Union’s discretion. Limit one bonus per membership. Bonus requires opening both a Momentum+ Rewards Checking account and a Momentum+ Rewards Savings account, and both accounts must be open and in good standing at the time the bonus is paid. Bonus not available for account conversions. Members without a checking account who have not had a checking account with the Credit Union in the past 12 months may qualify. Bonus funds will be reported as dividend income and will be reported on IRS form 1099-INT. Offer subject to change.

⁵ Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.