KickBack Checking®
Relax, sit back, and earn some money with a KickBack Checking account.
- Earn Dividends: Up to 3.25% APY1
- Keep More Money: Refunds on ATM fees
- Save Time: Instant-Issue debit cards
- 24/7 Access: Online banking and mobile deposit
Make your money work as hard as you do.
Balances up to $10,000 earn higher dividends every month with 3 requirements you probably already meet.
Activate Direct Deposit
Have at least one direct deposit posted to your account each month.
Use Your Spending Power
Use your debit card for a minimum of 14 transactions per month (not including ATM usage).
Go Paperless
Sign up for eStatements and access your last 24 months’ statements in the online banking app.
Bank more easily on your time
Verve gives you easy access to manage your money 24/7, including:
- Online and Mobile Banking: Check balances and manage your finances at any time.
- Bill Pay: Never miss a bill! Set up one-time or recurring payments.
- ATM Access: Free access to all Verve ATMs and any Kwik Trip or Alliance One Credit Union ATMs, plus up to $15 a month in nationwide ATM fee refunds, when the three monthly requirements are met.
- Zelle Person-to-Person Transfer: Need to split the tab? Zelle is a seamless way to send money to friends and family.
- Early Pay: When you set up direct deposit, you can sign up for early pay and get your paycheck up to two days in advance.2
Give yourself a safety net
Never worry about accidental overdrafts and stay covered with overdraft protection:
- Link Up a Line of Credit: Automatically advance money to your checking account to cover any transaction that exceeds the amount in your checking account.3
- Connect Your Savings: Set up your checking account to automatically pull from your savings or a credit card if a transaction exceeds the amount in your checking account.3
- Overdraft Protection Plus: Verve will cover the transactions that would have overdrawn your account as a courtesy.3
Take cashback to the next level by adding KickBack Savings!
Earn even more with a 0.20% APY4 KickBack Savings account available to those currently enrolled in KickBack Checking.
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Disclosure Information
1KickBack Checking: APY=Annual Percentage Yield. APYs accurate as of 11/01/2024. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: 1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5/ATM transaction, with a $15 maximum credited to the account on or about the 5th day of the next month; 2) daily balances up to $10,000.00 earn 3.25% APY; and 3) daily balances of $10,000.01 and higher earn an dividend 0.10% APY on the portion of the balance over $10,000.00, resulting in a range from 3.25% APY to 0.41% APY depending on daily balance in your account. Fees could reduce earnings on the account. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account. “Qualification cycle” is equal to one calendar month or first day of the current statement cycle through the last day of the current statement cycle. ATM transactions do not count toward 14 qualifying debit card transactions required to earn rewards, but any retail debit card transaction does (PIN-based or signature-based). Transfers between accounts do not count as a direct deposit. Limit one account per Social Security Number.
4KickBack Savings: APY=Annual Percentage Yield. APYs accurate as of 07/01/2024. Rates may change after account is opened. If qualifications are met each monthly qualification cycle for Kick Back Checking, daily Kick Back Savings balance will earn 0.20% APY. If qualifications are not met each monthly qualification cycle for Kick Back Checking, daily Kick Back Savings balance will earn 0.10% APY. Fees could reduce earnings on the account. No minimum balance is required.
2 Please allow two business days to process your early pay enrollment. We cannot guarantee you will receive your funds early. Early access of funds depends on the timing of the electronic file submission from the payer (employer, government agency, etc.).
3Overdraft Protection activates when you do not have available funds in your account to cover a transaction. Overdraft Protection options do have limits and fees per transaction. A Line of Credit is subject to an application and credit approval.
See our Consumer Schedule of Fees and Charges.
Membership eligibility required. Federally insured by NCUA.
KickBack Checking is a ®/Registered Trademark of Verve, a Credit Union.
Federally Insured by NCUA | 
Equal Housing Opportunity |