Maximize Every Dollar!
TFCU Max Rewards High-yield checking that turns your everyday balance into something more. Your money, at its full potential.
Earn More on Your Everyday Balance
Make your money work harder without changing your everyday habits. With the Tropical Financial Max Reward High-Yield Checking, you’ll earn a competitive interest rate just for doing the things you already do—like using your debit card and logging into online banking. No gimmicks. Just better returns.
No Monthly Service Fees or Minimum Balance
We believe your money should be working for you, not the other way around. That’s why Max Rewards High-Yield Checking comes with no monthly service charges and no minimum balance requirements — so you can keep more of what you earn.
Earn Even on Higher Balances
Qualified accounts will earn 4.30% APY1 on balances up to $5,000. Any balances above $5,000, along with non-qualified balances, will still earn interest at 0.10% APY1. So whether you meet the monthly requirements or not, every dollar in your account continues to grow.
Rates That Keep Up With You
Our high-yield rate is variable, so it can adjust with market conditions. That flexibility allows us to offer competitive earnings for our members over time, while giving you the peace of mind that your account is backed by the security of Tropical Financial Credit Union.
Simple Requirements to Earn Your Rate
Earning your high yield is easy. Just enroll in e-Statements, have a minimum of $900 in direct deposits each month, and make at least 25 debit card purchases during the month. These are everyday banking habits that most members already use.
Always Have Access to Your Funds
Unlike some high-yield accounts that limit withdrawals, Max Rewards High Yield Checking gives you unlimited access to your funds. Use your debit card for everyday purchases, pay bills online, or withdraw cash when you need it — all while earning your competitive rate.
Bank from Anywhere
Mobile Check Deposits
Snap a pic with our mobile app and deposit checks on the go.
Digital Transfers
Easily move money between connected accounts when you need it.
Digital Wallet
Add your Daily Rewards Checking debit card to your mobile wallet for fast, secure payments in-store and online.
Your Card, Your Way to Pay
ATM Access
Enjoy unlimited surcharge-free withdrawals at 60,000+ nationwide ATMs*.
Contactless Payments
Tap to pay with your card or your mobile wallet — secure, easy, and touch-free.
Debit Card Controls
Lock or unlock your card instantly through our app for greater security and peace of mind.
Simple, Hassle-Free Checking
Low Minimum Deposit
Open your Daily Rewards Checking account with just $25.
No Monthly Service Fee
Keep more of your money where it belongs.
No Fee Overdraft Transfers
Avoid surprise overdrafts by setting up your other TFCU accounts for automatic transfers.
Start Earning More
It’s easy to get started. Open a High-Yield Checking account and begin earning a premium rate on your balance just by managing your money like you normally do.
Disclosures
1 APY = Annual Percentage Yield. Rates and qualifications subject to change. To earn the premium APY, members must meet monthly qualification requirements. APY applies to balances up to $5,000; balances above that will earn a lower APY. If qualifications are not met, a base APY of 4.30% will be applied. Fees could reduce earnings. Membership eligibility required.