Frequently Asked Questions

UnitedOne Credit Union offers members the opportunity to earn rewards with these checking accounts: High Yield Checking, Cash Back Checking, and Payback Rewards Checking. 

You need to have 12 signature-based or point-of-sale (POS) transactions post and settle to your account per Monthly Qualification Cycle, have 1 ACH debit, credit or 1 Bill Pay transaction, and enroll in E-Statements to qualify for the account’s rewards.

No, both the primary and joint members debit card transactions count towards the 12 debit card transactions.

If you don’t qualify, you can try again next month.

A Rewards Checking account might not be the best fit for you if you don’t want to enroll in E-Statements. E-Statements are a requirement to earn rewards. If you never enroll in E-Statements, you will never earn the rewards, and be charged a paper statement fee.

Rewards are posted on the last day of the month.

If you have a High Yield Checking or Cash Back Checking account paired with a High Yield Savings or Cash Back Savings account, the rewards will be posted to the checking account and then swept to savings account. If you have a High Yield Checking or Cash Back Checking account but no High Yield Savings or Cash Back Savings account, the rewards will be posted to your checking account. Payback Rewards Checking rewards are posted directly to your checking, as Payback Rewards Checking accounts cannot be paired with a savings account.

No, Payback Rewards Checking rewards are reimbursements for purchases made.

You are allowed one Rewards Checking account per Social Security Number. If you are primary on two accounts, you can only have one be a Rewards Checking account. However, if you are primary on one account, and joint on another, you could be joint on the additional Rewards Checking account.

The qualification cycle is the timeframe in which you must complete your 12 debit card transactions, 1 ACH debit, credit, or Bill Pay transaction, and have E-Statements.

The Monthly Qualification Cycle is defined as one day prior to the first banking day of the current statement cycle through  one day prior to the last banking day of the current statement cycle (Example: 12/31/2025-1/30/2026) UnitedOne Credit Union statement cycle is the first of the month through the last the last of the month (Example: 1/1/2026-1/31/2026).

No, you can only access your primary share and your checking account with your debit card.

No, you’re still required to have a primary share.

No, you can only have one savings account linked to a Rewards Checking account. The High Yield Savings or Cash Back Savings has to be linked to a Rewards Checking account to work appropriately.