Rewards for Everyday Spending

eSpend Rewards Checking gives you more from every purchase. Enjoy no monthly fee, no minimum balance requirement, and earn 0.25% cash back on debit card purchases. It's a simple checking account designed to fit your lifestyle. 

 

eSpend Rewards Checking benefits include:

Rewards & Earnings

  • Cash Back on Purchases: Earn 0.25% cash back every time you use your debit card to make a purchase. Your cash back rewards are automatically deposited into your Ownership Rewards Account each month 
  • Rewards Savings Account: Earn 5.12% APY on qualifying deposits in your Ownership Rewards Account
  • Standard Dividends: Earn up to 0.15% APY on eligible balances1
  • Get Paid Early: Access your direct deposit up to 2 days early

Account Features & Flexibility
  • No Monthly Fee
  • No Minimum Balance Requirement
  • Free Account-to-Account Transfers: Move money within online banking or to/from external accounts
  • Avoid Overdraft Fees: Use overdraft protection from savings or bring your account positive by end of day2
  • Free Checks: Receive 2 boxes of branded checks per year
  • Free Cashier’s Checks & Money Orders

Digital Convenience

  • Debit Card: Get an instant-issue debit card and enjoy Tap & Go contactless payments. Link it to Google Pay, Apple Pay, or Samsung Pay and begin earning rewards right away
  • Free Mobile Deposits & Bill Pay
  • Free eStatements & eNotices: Access your documents instantly—no mail delays
  • Free Automated Telephone Banking
  • 24/7 Mobile & Online Banking
  • 24/7 ATM & ITM Access: Deposit, withdraw, and manage your account anytime at our ITMs. Plus, enjoy access to over 70,000 surcharge-free ATMs nationwide
  • Member Support: Contact us 24/7 by phone or connect during business hours via chat, text, email, message, or video

Financial Wellness & Protection

  • Free Credit Report & Score: Monitor your credit and receive profile change alerts3
  • Free Financial Counseling & Tools: Access assessments, calculators, articles, and coaching
  • Free Debit Card with Fraud Monitoring: 24/7 protection and text alerts
  • Free Account Alerts: Get email, text, or push notifications for account and card activity
 





Enjoy the benefits of eSpend Rewards Checking today.  

 
 
1 eSpend Rewards Checking is a tiered-rate account. No minimum balance is required to open the account, and no minimum or maximum balance is required to earn the disclosed APY. There are no monthly service fees. The APY for the tier your balance meets applies to the entire account balance. Members earn 0.25% cash back on all posted debit card purchases. Cash back rewards are deposited into a linked savings account. Members cannot deposit directly into this savings account; it accepts only cash back reward deposits and permits withdrawals. Rates may change after the account is opened. See Rates for full details. 
2 See our Fee Schedule for Courtesy Pay fee amount. The end of each business day is approximately 10:00 p.m. eastern standard time. 
3Credit Monitoring is available to registered users of Enrichment's online and mobile banking. Log into your account and accept the "My Credit" disclosure to enroll. Credit score is a VantageScore 3.0 based on single bureau data. Third parties may use a different type of credit score to assess your creditworthiness.