Income Checking Qualifications: What You Need to Know

If you haven’t checked out Income Checking, you could be missing out on a big monthly dividend. Our free high-yield checking account earns a top market APY on balances up to $25,000 each month, along with $25 in nationwide ATM fee rebates. Hit these Income Checking qualifications to earn your high APY: (1) be enrolled in e-Statements by 11:59 p.m. PT, (2) have a direct deposit of at least $500 into Income Checking, and (3) have 15 posted Income Checking debit card or Columbia CU credit card purchases during the qualification period.

When is the Income Checking qualifications period?

To earn your high APY, you must meet each of the above requirements during the period of the 26^th of the prior month to the 25^th of the current month.

Use the Income Checking Status widget in Online Banking to check your reward qualification progress each month.

Early Direct Deposit

You can get paid up to 3 days early* with your checking account’s early direct deposit! What possibilities can an early paycheck unlock for you?

Mobile Wallet

Rack up your 15 qualifying purchases for Income Checking with your mobile device! Pay at the register without swiping your cards or within apps without entering payment and contact information. To start going contact-free, just add your Columbia CU debit or credit cards to the Apple Pay, Google Pay, or Samsung Pay app on your Apple, Android, or Samsung device.

*Early direct deposit is available for checking members that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 3 days earlier, however, we are dependent on the timing of your payer’s payment and therefore you may not always see your direct deposits arrive early.