locallift Rewards Checking - Earn 3% APY*, no fees, and earn debit card rewards. Meet with a LincOne advisor and open a locallift Rewards Checking Account at any of our locations. Start earning today.
Click here to schedule an appointment
3% APY*
APY up to $10,000
NO FEE
No monthly maintenance fee
DEBIT CARD REWARDS
Points on every purchase
Simple Direct Deposit
Easy access to your money
Early Payday**
Access your funds faster
Multiple Debit Card Designs
Choose the design that best suits you
How to Earn 3% APY
It's as Simple as 1, 2, 3!
All three steps are required to qualify for the rate.
- Open a Checking Account with e-Statements
- Spend $100+ a month with your debit card
- Receive $100+ a month in direct deposits to your locallift Rewards Checking Account
Meet with a LincOne Advisor and open a locallift Checking & Rewards Account at any of our locations. Start earning today!
Click here to schedule an appointment
Get Rewarded When You Spend
Earn 1 point for every $2 spent with a debit card, and 1 point for every $1 spent with a LincOne Keep Money Local Credit Card! Use your uChoose Rewards points for cash back, travel, event tickets, and gift cards to your favorite retailers, restaurants, and more! Click to register your LincOne debit and credit cards for uChoose Rewards today.
Open a localift Rewards Checking Account today!
Click here to schedule an appointment
| Account Type | APY |
|---|---|
| Basic Checking Account** $0.00+ | 0.00% |
| Rewards Checking Account**** $0.01 to $10,000 | 3.04% |
| Rewards Checking Account**** $10,000+ | 0.00% |
*Subject to approval at account opening. locallift Rewards checking pays dividends monthly on all balances up to $10,000 if the following qualifications are met: The account must be signed up for e-Statements. The account must have $100 or more in debit card purchases each month. The account must receive $100 or more in direct deposits to the checking account each month. Membership balance of $25 required. APY = Annual Percentage Yield. Rates, rewards, terms, and conditions are variable and subject to change without notice. APYs are accurate as of 1/1/2026. Accounts that do not meet the three-monthly qualifications will earn 0% APY on the entire checking account balance. The Monthly Qualification Cycle constitutes a period beginning (1) day prior to the first day of the current statement cycle through (1) day prior to the close of the current statement cycle. Transactions may take one or more business days from the date the transaction was made to post and settle within the account. NO monthly subscription fee. Federally insured by the NCUA.
**$20 fee to access your direct deposit early.
locallift Rewards Checking FAQs - Frequently Asked Questions
Members must have e-statements, spend $100 or more in debit card purchases per month, & receive $100 or more in direct deposits to their checking account per month.
Existing checking accounts will be auto-enrolled in the local lift Rewards Checking if all criteria is met.
Watch this video below on how to enroll in e-Statements on Online Banking and the Mobile App.
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- 1 rewards checking account per account number
- Secondary checking accounts will be opened as a “Basic Checking” and will not earn dividends
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- Members will earn 3% APY up to $10,000 (anything above $10,000 will not earn interest)
- uChoose Rewards points, 1 point for every $2 spent with a debit card (1 point for every $1 spent with a credit card)
When you refer your friends and family to LincOne Federal Credit Union, you'll both get $35 when they open an account.
Yes, you will need to receive $100+ a month in direct deposits to qualify for the localift Rewards Checking Account. Direct deposits sent to a savings account or a secondary account such as a secondary savings will not qualify towards the locallift Rewards Checking Acccount.