WyHy Federal Credit Union - SmartReturns Checking

With WyHy's FREE SmartReturns Checking Account you'll earn 3.00% APY* on balances up to $15,000, and all you have to do is:

Make at least 12 Debit Card purchases each month
Use automatic payments for at least one bill or other transaction outside of WyHy, or utilize SmartDeposits for Direct Deposit*
Sign up for and use eStatements

And anytime you can't meet the above, you'll still earn 0.05% APY!*

You can also earn unlimited ATM fee refunds up to $4.99 each AND 0.25% on all balances over $15,000!*

So if you have a checking account somewhere else, go ahead and compare us. Does your current checking have as much earning potential? Does your account have fees and all sorts of hoops you have to jump through? Now look at our SmartReturns Checking with all the features listed above, as well as FREE online banking and bill pay, mobile banking with mobile deposit, a VISA EMV Debit Card with Digital Wallet— all the services you want with your checking account.

Now ask yourself — Why not a SmartReturns Checking Account with WyHy?!

Call or stop by a branch to learn more and to start earning 3.00% APY just for having a checking account.* We'll make the switching process so easy you'll be shaking your head, wondering why you didn't open a SmartReturns sooner.

Statement & Qualification Dates
Start Date	End Date
1/1/2023	1/31/2023
2/1/2023	2/28/2023
3/1/2023	3/31/2023
4/1/2023	4/30/2023
5/1/2023	5/31/2023
6/1/2023	6/30/2023
7/1/2023	7/31/2023
8/1/2023	8/31/2023
9/1/2023	9/30/2023
10/1/2023	10/31/2023
11/1/2023	11/30/2023
12/1/2023	12/31/2023

*APY = Annual Percentage Yield. SmartReturns Checking is a tiered variable rate account, the rate and APY* are subject to change after account is opened. The minimum balance to open this account is $25.00. 3.00% APY* is valid on balances up to $15,000. In order to earn dividends at the disclosed rate and be eligible to receive unlimited domestic ATM fee reimbursement, ATM transaction fee must be less than $4.99 per transaction to be automatically reimbursed, during each qualifying period you must: (a) make at least one direct deposit to, or ACH debit from your account; and (b) make 12 or more point of sale transactions (evidenced by your statement) using your VISA Debit Card (PIN or signature-based transactions); and (c) consent to receive your statements electronically. To receive credit for domestic ATM fees incurred that exceed $4.99, you must present an ATM receipt to the Credit Union that details the amount of such fee, together with the date and location of the transaction. We must hear from you within 60 days after the statement cycle should you have any questions regarding the rewards on your account. Foreign/out of country ATM fees are not reimbursable. Each qualifying period will begin one business day prior to the first day of the current statement cycle through the last day prior to the last business day of the current statement cycle. If you do not meet the qualifications for a qualification cycle your APY* will be 0.05% for that period. You will not be reimbursed for any accrued but unreimbursed ATM fees at the time you close your account. Dividends are calculated on the average daily balance, compounded and paid monthly. Fees could reduce earnings. Terms effective 1/1/2022. For the full information regarding your Checking Account, please refer to your WyHy membership Agreements and Disclosures document.