Smart Rewards Checking - Harvard University Employees Credit Union
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NEW SMART REWARDS
CHECKING FROM HUECU

CHOOSE YOUR REWARD

CASH-BACK

3% CASH-BACK1

PREMIUM
INTEREST

UP TO 2% APY2

With Smart Rewards Checking, there are no maintenance fees of any kind, just rewards you can count on. Choose the reward that’s right for you; get cash-back every month or earn premium interest on your account balance. Compare the benefits and get started with the right option for your lifestyle and financial goals.

CASH-BACK

REWARDS

3% Cash-Back1 on debit card purchases, up to $10 per month.

Free ATMs

  • Unlimited HUECU per month

ATM Fee Refunds

  • Get all ATM fees and surcharges refunded up to $25 per month.

Includes No Monthly Fees
Non-Interest Bearing

MONTHLY QUALIFICATIONS

  • 12 Debit Card purchases posted and settled
  • Access Online or Mobile Banking at least 1 time
  • E-Statements Required

ADDITIONAL PERKS

  • 1,500 bonus points on a new Platinum Rewards or Platinum Rewards+ MasterCard®
  • Discounted rates on Auto or Personal loans with Auto-pay
  • Free first order of checks

PREMIUM INTEREST

REWARDS

Earn 2% APY2 on up to $10,000.

Free ATMs

  • Unlimited HUECU per month

ATM Fee Refunds

  • Get all ATM fees and surcharges refunded up to $25 per month.

Includes No Monthly Fees

Earns Interest

MONTHLY QUALIFICATIONS

  • 12 Debit Card purchases posted and settled
  • Access Online or Mobile Banking at least 1 time
  • E-Statements Required

ADDITIONAL PERKS

  • 1,500 bonus points on a new Platinum Rewards or Platinum Rewards+ MasterCard®
  • Discounted rates on Auto or Personal loans with Auto-pay
  • Free first order of checks

CHANGE IS REWARDING

CASH-BACK

Choose the Cash-Back option if you use your debit card frequently. Get 3% cash-back1 on debit card purchases, up to $10 per month.

PREMIUM INTEREST

Choose Premium Interest if you keep larger balances in your account. Earn 2% APY2 on up to $10,000.

WAVE GOODBYE TO FEES

In addition to no monthly maintenance fees, Smart Rewards Checking refunds you up to $25 in ATM fees each month when you meet the requirements.

Qualifications: Transactions and activities must post and settle during the Monthly Qualification Cycle in order to qualify, which may take one or more days from the transaction. “Monthly Qualification Cycle” begins on the final day of the prior statement cycle and runs through the day prior to the last day of the current statement cycle. View specific Monthly Qualification Cycle dates.

1. Smart Rewards Checking with Cash Back Rewards: When Smart Rewards qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on debit card purchases that post and settle to the account during that cycle. A maximum of $10 cash back may be earned per Monthly Qualification Cycle. When your Smart Rewards account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

2. Smart Rewards Checking with Premium Interest Rewards: When your Smart Rewards Checking with Premium Interest account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in the account earn an APY of 2.00% and daily balances over $10,000 earn a dividend rate of .10% on the portion of the daily balance over $10,000. When your Smart Rewards Checking with Premium Interest account qualifications are not met, the entire daily balance in the account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY, and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Smart Rewards Checking with Premium Interest account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 02/02/2021.

Additional Information: Rates, rewards, and bonuses, are variable and may change after account is opened. Rates may change without notice. 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. There are no recurring monthly maintenance charges or fees to open or close this account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Smart Rewards checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the information we receive does not identify the fee.

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