Checking Plus

Checking Plus

Earn up to 5% APY*

Open a Checking Plus Account

Earning 5% APY* can mean up to $100 per month in your Checking Plus account.**

Earn 5% interest on your checking account cash. Just make regular use of your debit card, enjoy the convenience of online banking, and sign up to receive electronic account statements. It’s that easy!

Open a Checking Plus Account

*Minimum $25 to open. With qualifications met; APY=Annual Percentage Yield. APY is for balances up to and including $25,000. APY accurate as of 5/1/24.
**Amount shown is based on $25,000 balance maintained in a 30-day period.

Free checking that pays you higher dividends

No Monthly Maintenance Fee

Higher Dividends

ATM Withdrawal Fee Refunds*

Free Digital Banking

We believe in rewarding our members.

Our free Checking Plus checking account refunds your ATM withdrawal fees nationwide1, has no monthly maintenance fee, AND pays you high dividends. That’s a big win just for doing checking basics!

Here are a few highlights of your benefits:
  • 5.00% APY on all balances up to and including $25,0001
  • 1.38% to 5.00% on balances greater than $25,000, depending on balance in account1
  • When qualifications are not met, you still earn 0.05% APY on the entire balance.1
  • Up to $25 in ATM withdrawal fee refunds (max $4.99 per transaction)
    When qualifications are not met, ATM withdrawal fees are not reimbursed.2
  • Checking Saver – a FREE savings account that automatically grows with each dividend reward
  • No minimum balance to earn our rewards
  • No monthly maintenance fees — so your money stays with you
Other Optional benefits:
  • Ultimate Benefits – earn extra benefits such as travel and dining rewards and so much more. All for a low membership fee of $3.99 per month, charged to your Keesler Federal Credit Union checking account.
Making the most of your Checking Plus account
Checking Pays

With Checking Plus, you’re basically getting paid to bank here. It’s as easy as using your debit card.

To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Checking Plus account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction2
  • At least 12 debit card purchases2
  • eStatements required

We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.

Ultimate Benefits

If you like extra perks, then Ultimate Benefits is for you. Features such as discounts on travel & rental cars, entertainment, consumer services and so much more are available upon enrollment. A Keesler Federal checking account is required.

Here’s a few highlights of your benefits:
  • Cellular Care Coverage – $600 in coverage
  • Travel Benefits – full-service travel and guaranteed lowest available pricing, plus 3-5% cash back
  • TicketXpress – discounts on entertainment, sporting events, movies & more
  • Cash Back Rewards – from 3,000+ online merchants
  • Health Savings – pharmacy, hearing, vision, dental
  • Consumer Services – purchase protection, 90-day warranty
  • Local Savings – hundreds of area merchants
  • Pet Health Insurance – save up to 10% on premier medical and wellness plans for your pets
  • SavingsXpress – Instant mobile savings at thousands of local merchants
  • And so much more…

All for a low membership fee of $3.99 per month, charged to your Keesler Federal Credit Union checking account.

Explore Ultimate Benefits

Existing Ultimate Benefits Users

Checking Plus


1Reward Information:

When your Checking Plus account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Checking Plus account earn a dividend rate (APR) of 4.89% resulting in an APY of 5.00% and daily balances greater than $25,000 earn a dividend rate (APR) of .50% on the portion of the daily balance over $25,000, resulting in a range from 1.38% to 5.00% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Checking Plus account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Checking Plus qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.049% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Checking Plus account on the first day following the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first day following the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 05/01/2022. APY calculations are based on an assumed balance $25,000 + $100,000 in your Checking Plus account and an assumed statement cycle of /thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

2Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means the current statement cycle.

Click here for specific Monthly Qualification Cycle dates.

“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Visit for specific Statement Cycle dates.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open the account.

Having at least 12 debit card transactions and at least 1 monthly direct deposit, automatic payment (ACH), or bill pay transaction are conditions of this account. Enrollment in e-statements is also required as an account qualification to receive rewards.

Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA.

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