High 5 Checking

Summary

Let Infinity Federal Credit Union (FCU) reward your participation. Our signature checking account offers unique benefits and pays tiered interest on your average balance up to $5,000 when you meet the minimum monthly requirements.

Account Benefits:

  • Get paid up to two days ahead of your scheduled payday with Jump StartSM Direct Deposit of your net pay1
  • Foreign ATM reimbursements up to $10.00 per month2
  • Two free Wire Transfers per month
  • 50 free UChoose® Rewards points per month3
  • Earn tiered interest on your average balance up to $5,000
  • Overdraft Forgiveness - reverse one overdraft charge per calendar year
  • No minimum balance requirements
  • Free checks
  • Access to online and mobile banking
  • Access to 250+ Surcharge-free ATMs in Maine
  • Convenience of 5,700+ Shared Branching locations across the country

Minimum Monthly Requirements:

  • Make at least 10 qualifying debit card transactions4 each month to earn 2.53% APY5 or make 25 or more qualifying debit card transactions4 each month to earn 4.07% APY5
  • Maintain direct deposit of your net pay into the account each month (totaling a minimum of $500.00)
  • Provide a valid email address
  • Sign up for e-statements
  • Register for online banking

If requirements are not met during the calendar month, Infinity FCU will assess a $5.00 service fee and all balances earn base rate of 0.10% APY listed on our rate schedule below. Fees may reduce earnings.

Average
Balance

# Monthly
Transactions4

Dividend Rate

APY5

0 - $5,000

0-9

0.10%

0.10%

10-24

2.5%

2.53%

25+

4.0%

4.07%

  $5,001 and over

0-9

0.10%

0.10%

10-24

0.10%

0.10%

25+

0.10%

0.10%

Disclosures:

1Jump StartSM Direct Deposit: Infinity FCU will try whenever possible to advance payroll direct deposits by up to two days, the availability of funds ahead of the original scheduled pay date is not guaranteed. Funds can be made available only after they have been received from the Federal Reserve Bank. Infinity FCU members should not rely on Jump StartSM to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations. Jump StartSM advances the electronic deposit of payroll funds only and does not apply to checks. Any applicable standard check holds will still apply. To set up direct deposit of payroll funds to your Infinity FCU account, your payroll department will require: Infinity FCU's Routing Number (211288491) and the 13-digit account number (MICR) listed at the bottom of your Infinity FCU checks. You may also move your direct deposit with ClickSWITCH.

2Domestic ATM fees incurred during the month will be reimbursed up to $10.00 and credited to account on the last day of monthly statement cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 

3To earn UChoose® Rewards Points, card(s) must be registered online at www.uchooserewards.com.

4Qualifying transactions are point-of-sale purchases made in person or online. Transfers between accounts, bill payments, checks, ATM withdrawals, or pre-authorized withdrawals (i.e. gym membership) do not count towards qualifying transactions. Qualifying transactions must post and settle to account during the calendar month. Transactions may take one or more banking days from the date transaction was made to post and settle to an account.

5APY=Annual Percentage Yield. Rates are accurate as of 6/1/2017. Rates are calculated based on the average monthly balance during the statement cycle. See the table above for details. Rates may change after account is opened. Terms and conditions subject to change without notice. There is no minimum deposit to open. During the first 30 days from account opening, your account will earn 4.07%APY.