Share Draft (Checking)

Synergy FCU has several options when it comes to checking accounts, from the standard Share Draft account to multiple rewards accounts. Synergy FCU checking accounts are free to open and require no minimum balance. Find the right one for you then complete the application to get your account open.

Open an Account

Standard Share Draft Checking Account*

• No monthly service charge
• No minimum balance required 
• Free eStatements
• Free Direct Deposit 
• Free Online Banking
• Free Bill Payment
• Free checks* - to order checks, call a Member Service Rep at (888) 272-8228.
  • *Synergy FCU pays for your first order of Synergy FCU Custom Style checks.
  • *Rewards Checking accounts get free Synergy FCU Custom Style checks for the life of the account.
• Free Debit Card - enroll your debit card in UChoose Rewards to build up points that can be redeemed for gift cards, travel, and merchandise. Points can also be used for Apple, Amazon, and PayPal purchases. 
• Competitive interest rates
• Overdraft Protection from savings account or Synergy FCU Line of Credit
• Overdraft Privilege for your debit card - read and sign overdraft authorization form to get started

Rewards Cash Checking Account**

Earn high dividends on your account balance

All the same benefits and services with the Standard Share Draft Checking Account, plus earn a high interest rate when you do what you already do - use your debit card. With 15 debit card swipes of $5 or more each month, you can qualify each month to earn

• 5.12% APY* on the first $10,000 in your checking account
• 0.25% APY* on the portion of the balance over $10,000
• Nationwide ATM refunds up to $25 per month
• Free Synergy FCU Custom Style checks for the life of the account

Rewards Cash Back Checking Account**

Earn cash back

All the same benefits and services with the Standard Share Draft Checking Account, plus earn cash back when using your debit card. With 15 debit card swipes of $5 or more each month, you can qualify each month to earn

• 2.50% cash back on up to $300 spent each month - that is up to $7.50 per month and up to $90 per year!
• Nationwide ATM refunds up to $25 per month
• Free Synergy FCU Custom Style checks for the life of the account

Statement Disclosure

To read important information about your statement, please read the statement disclosure.

Opt-in for Overdraft Privilege

Synergy FCU will not pay your ATM and debit card transactions that would overdraw your account unless you opt-in, giving Synergy FCU permission to make payment on those transactions. Many members prefer having this service to avoid the embarrassment of having their debit card purchase declined at the store checkout line or at a restaurant when paying the bill. Your action is required in order for the Overdraft Privilege to be a service on your Debit or ATM card.  Click here to learn more about Overdraft Privilege.

*All applications are subject to eligibility. 

**To earn rewards, at least 15 debit card purchases, each $5.00 or more, must post and settle to the account during the Monthly Qualification Cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle" means the current statement cycle. 

When qualifications are met during a Monthly Qualification Cycle:
Rewards Cash and Rewards Cash Back: You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified, with a maximum of $4.99 per ATM fee.

Rewards Cash: average daily balances up to $10,000 earns 5.12% APY; and average daily balances over $10,000 earn 0.25% APY.

Rewards Cash Back: receive 2.50% cash back on up to a total of $300. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle. 

Rewards and nationwide ATM withdrawal fee reimbursements will be credited to your Rewards Checking account on the first processing day of the following statement cycle. 

When qualifications are not met during a Monthly Qualification Cycle:
Rewards Cash: ATM withdrawal fees are not refunded and the entire average daily balance in the account earns 0.05% APY.

Rewards Cash Back: ATM withdrawal fees are not refunded and no cash back payments are made. 

APY=Annual Percentage Yield. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Account approval, conditions, and qualifications apply. No minimum deposit is required to open the account. Monthly E-Statement enrollment is a condition of these accounts. Limit of one Rewards Checking Account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.