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More cha-ching for your well-being.

Bonus Checking

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Works like a regular checking account. Earns like a high-yield savings account. Bonus Checking meets you right where you want to be — the intersection of convenient banking and growing dividends.

  • Earn 2.00% APY on balances up to $25,000 and 0.05% APY on balances above $25,000 when monthly qualifiers are met*
  • No monthly fees and no minimum balance required after opening
  • Easy access to your money 24/7 through Digital Banking and ATMs
  • Score discounts on loans**
  • ATM fees refunded — up to $25 a month***
  • Customize your debit card with Numerica, Zags, EWU, or Whitworth designs

A Bonus Checking bonus

Looking to give your savings a boost? Sign up for Round Up to Savings. This program rounds up your debit card purchases to the next dollar amount and deposits the difference in your savings. It’s just one more way Numerica helps you put money aside for your future — automatically!

Here’s the legal stuff:

*Rate information

APY=Annual Percentage Yield. Bonus Checking is subject to a tiered variable rate. 2.00% APY applies to balances $0 to $25,000. 0.05% APY applies to balances over $25,000. APY accurate as of 1/1/2023. Rates may change after account opening. Fees may reduce earnings. If monthly qualifiers are not met, rate will be 0.00% APY.

Monthly qualifiers

In order to earn dividends at the disclosed rate, during each monthly qualification cycle you must: (a) use your Bonus Checking account debit card or Numerica credit card on the same member account for a combination of 12 transactions of $5 or more (excluding ATMs); and (b) consent to receive your periodic statements electronically (eStatements). Each qualification cycle will begin on the last business day of the preceding monthly statement cycle and end on the day that immediately precedes the last day of the current monthly statement cycle. Qualifying transactions must post and settle to your account during this period.

General Bonus Checking requirements

There is a limit of one Bonus Checking account per primary member (based on Social Security Number). The minimum amount required to open a Bonus Checking account is $25. No minimum balance is required to earn dividends as long as monthly qualifiers are met.

**All loans subject to approval. Up to 0.50% loan discount includes: (a) 0.25% discount when you set up automatic payments from a Numerica checking account, such as Bonus Checking; and (b) 0.25% relationship discount with another Numerica loan or credit card.

***Monthly qualifiers for Bonus Checking must be met for ATM fees to be refunded.

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Numerica debit cards: Eastern Washington University, Gonzaga University, Whitworth University, Spokane Chiefs, blue, brown, green, debit cards.

Free Checking

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  • No minimum balance required after opening an account
  • No monthly fees
  • 24/7 access to funds via ATMs, online and mobile app
  • Free eStatements, online banking and bill pay
  • Connect a Numerica savings account or line of credit to protect against overdraft (Overdraft Protection)
  • Choose your card with a Numerica motif, Zags, EWU or Whitworth design
  • To request a new debit card visit a branch or call 800.433.1837

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Numerica debit cards: Eastern Washington University, Gonzaga University, Whitworth University, Spokane Chiefs, blue, brown, green, debit cards.

Today's Rates

March 2, 2024