Verve Optimum Bundle
What would you do with $800?
Travel. Save. Spend
Bundle three products—Verve Optimum Checking, Money Market, and World Mastercard®—and unlock Verve’s best rates and perks. Members who bundled earned an average of $800 in 2025.
• Verve Optimum Checking
• Verve Optimum Money Market
• Verve Optimum World Mastercard®
Manage more with the Verve Optimum Bundle.
Online Banking
Easily view and manage your accounts from your computer, tablet, or phone.
Direct Deposit
Authorize automatic paycheck deposits directly into your account of choice.
Mobile Deposit
Mobile Deposit allows you to deposit checks right from your tablet or smart phone.
Early Pay
Get access to your paycheck and other direct deposits up to two days earlier.
Alerts
Stay updated on your account activity with notifications throughout the day.
Round Up
Add a few cents to your savings with every debit card purchase with Verve Roud Up.
Verve Optimum Checking
QUALIFY + THEN BUNDLE to maximize your earning potential.
- Earn a higher checking rate with a QUALIFYING Verve Optimum Checking account.
- Earn a higher savings rate when you BUNDLE Verve Optimum Savings with Verve Optimum Checking.
Verve Optimum Checking
2.50% APY
√ with QUALIFYING Verve Optimum Checking balances up to $10,000
2.50% to 0.48% APY
√ with QUALIFYING Verve Optimum Checking balances over $10,000
Verve Optimum Checking
0.25% APY
√ with NON-QUALIFYING Verve Optimum Checking
Just meet these three qualifiers:
- Monthly ACH direct deposits totaling $1,000 into a checking account.
- Valid email address on file.
- Enrolled in and receive eStatements.
Verve Optimum Money Market
| Account Balance | Dividend Rate | APY |
|---|---|---|
| $5,000.00 – $9,999.99 | 0.75% | 0.75% |
| $10,000.00 – $19,999.99 | 0.99% | 0.99% |
| $20,000.00 – $39,999.99 | 1.48% | 1.49% |
| $40,000.00 – $74,999.99 | 2.22% | 2.24% |
| $75,000.00 – $124,999.99 | 2.71% | 2.75% |
| $125,000.00 - $199,999.99 | 2.95% | 2.99% |
| $200,000.00+ | 3.19% | 3.24% |
√ when BUNDLED with QUALIFYING Verve Optimum Checking
| Account Balance | Dividend Rate | APY |
|---|---|---|
| $5,000.00 – $9,999.99 | 0.50% | 0.50% |
| $10,000.00 – $19,999.99 | 0.75% | 0.75% |
| $20,000.00 – $39,999.99 | 1.00% | 1.00% |
| $40,000.00 – $74,999.99 | 1.48% | 1.49% |
| $75,000.00 – $124,999.99 | 1.73% | 1.75% |
| $125,000.00 - $199,999.99 | 1.98% | 2.00% |
| $200,000.00+ | 2.22% | 2.24% |
√ when NON-BUNDLED or when BUNDLED with NON-QUALIFYING Verve Optimum Checking
Verve Optimum World Mastercard®
Unlimited 2% Cash Back.
• No annual fees
• Contactless payments with our Tap & Go feature
• No foreign transaction fees
By adding a Verve Optimum World Mastercard®, you’ll have a solid foundation on which to manage your money, pay for life’s necessities, and save for the future. Add any Verve credit card and we’ll waive the monthly service fee on your Verve Optimum Checking account!
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*Disclosure Information
Verve Optimum World Mastercard®
APR = Annual Percentage Rate. 0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. After that, as of January 1, 2026, your Standard APR will be 14.65% to 23.65% depending on your credit history. This APR will vary with the market based on the Prime Rate. No annual fee. Membership eligibility required.
2% Cash Back on all purchases, all day every day – As provided in the ScoreCard® CashBack Program Rules, Verve Optimum World Mastercard® credit card holders will earn 2% CashBack Credits in the Program for every $1 dollar spent in qualifying purchases. Consult a Verve team member for an application and rules, or visit scorecardrewards.com. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Verve Optimum Checking
APY=Annual Percentage Yield. APYs accurate as of 01/21/2025. Rates may change after account is opened. “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. Qualifications for higher dividend rate and ATM fee refund are 1) ACH direct deposits totaling at least $1,000.00, 2) a valid email address, and 3) enrollment and receive e-statements through online banking. Transfers between accounts do not count as a direct deposit. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5/ATM transaction, with a $15.00 maximum credit to the account on or about the 5th day of the next month; and daily balances up to $10,000.00 will earn 2.50% APY; and daily balances of $10,000.01 and greater will earn 0.25% APY, resulting in a range of 2.50% APY to 0.48% APY depending on daily balance in your account.. If qualifications are not met, all balances will earn 0.25% APY. Minimum balance to avoid a $15.00 monthly Service Fee is $10,000.00 combined deposit account average daily balance or a current Verve Credit Card holder. Fees could reduce earnings on the account. Limit one Verve Optimum Checking account per Social Security Number. Membership eligibility required. Federally insured by NCUA.
Verve Optimum Money Market
APY=Annual Percentage Yield. APYs accurate as of 01/13/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle for Verve Optimum Checking, Verve Optimum Money Market will pay a higher tiered dividend rate. If qualifications are not met each monthly qualification cycle for Verve Optimum Checking, a lower tiered dividend rate will apply. Please request a rate sheet for tiers and rates. Minimum balance to earn dividends is $5,000.00. Fees could reduce earnings on the account. Membership eligibility required. Federally insured by NCUA.
Average earnings estimate is based on qualifying account activity across qualified Optimum Bundled products: checking, money market, and credit card. Not all members will earn $800 annually. Rates, rewards, and requirements are subject to change.
Federally Insured by NCUA | 
Equal Housing Opportunity |