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Smart Returns Checking

Earn 3.00% APY* on your checking account the easy way!
Welcome to Smart Returns Checking, where your everyday banking transactions earn you valuable rewards and benefits. At WyHy Federal Credit Union, we're committed to helping you make the most of your money, and our Smart Returns Checking account is designed to do just that.

Key Benefits:

  • High-Yield Interest: Earn 3.00% APY* on your checking account balance, allowing your money to work harder for you. With Smart Returns Checking, your funds grow while you go about your daily life.
  • No Monthly Fees: Say goodbye to monthly maintenance fees that eat into your account balance. Smart Returns Checking has no minimum balance requirements or monthly service charges, ensuring that your money stays where it belongs – with you.
  • ATM Fee Refunds: Access your money fee-free at thousands of ATMs nationwide. We'll refund ATM fees charged by other banks, so you can withdraw cash when and where you need it without worrying about extra costs.
  • Online and Mobile Banking: Manage your Smart Returns Checking account with ease using our intuitive online and mobile banking platforms. Check your balance, view transaction history, transfer funds, and more – all from the convenience of your smartphone or computer.
  • Digital Wallet Compatibility: Link your Smart Returns Checking account to popular digital wallets like Apple Pay, Google Pay, and Samsung Pay for seamless and secure mobile payments. Leave your wallet at home and pay with just a tap of your phone.

How It Works:

Earn 3.00% APY* on balances up to $15,000, and all you have to do is:

Start Spending Wisely

Make a minimum of 12 Debit Card purchases every month. With each transaction, you're not just making purchases, you're actively contributing to your financial growth and unlocking the full potential of your account benefit.

Set Up Automatic Transactions

Set up direct deposit or automatic payments for a minimum of one bill or transaction outside of WyHy. By automating your payments you streamline your financial management process, ensuring convenience and efficiency in your banking experience.

Sign Up For eStatements

Opt-in for eStatements to seamlessly manage your account statements online. By enrolling in eStatements, you gain instant access to your financial records, reducing paper clutter and environmental impact while enjoying the convenience of electronic document delivery.

Maximize Your Rewards

Even if you can't fulfill the criteria mentioned earlier, you'll still earn 0.05% APY* with Smart Returns Checking. Additionally, earn up to $20 ATM fee refunds per month and 0.25% on all balances over $15,000*!

Experience the benefits of Smart Returns Checking

 Start earning 3.00% APY* on your everyday purchases. Take advantage of our Smart Returns Checking account to maximize your financial potential and enjoy hassle-free banking.

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WyHy's simplified banking solution.
Just $25 to start, no minimum balance, no monthly fees, unlimited withdrawals/transfers.
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*APY = Annual Percentage Yield. With Smart Returns Checking, earn up to 3.00% APY* on balances up to $15,000. Qualify by making a direct deposit or ACH debit, conducting 12 or more VISA Debit Card transactions, and opting for electronic statements. Enjoy up to $20 ATM refunds per month. Terms apply.