My Linc Program

My Linc Rewards Checking Account

  • NO Monthly Maintenance Fee
  • NO Minimum Balance to Earn Rewards
  • Earn 4.00% APY* on Balances up to $10,000
  • Earn 0.05% APY* if Qualifications Aren’t Met
  • Refunds on ATM Withdrawal Fees*
  • Free CU Service Centers Access (Over 5,000 nationwide)
  • Surcharge-Free Co-Op ATM’s Nationwide
  • Overdraft Protection Options
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My Linc Cash Back Checking Account

  • NO Monthly Maintenance Fee
  • NO Minimum Balance to Earn Rewards
  • 4.00% Cash Back on Debit Card Purchases*
  • Up to $120 Cash Back per Year, $10.00 Per Month*
  • Refunds on ATM Withdrawal Fees*
  • Free CU Service Centers Access (Over 5,000 nationwide)
  • Surcharge-Free Co-Op ATM’s Nationwide
  • Overdraft Protection Options
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My Linc Nest

Make saving easy while earning high dividends. Our free My Linc Nest account links to free My Linc Rewards or My Linc Cash Back checking to grow your savings automatically.
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Do you already have an account and want to switch to My Linc Rewards? Switch here!

Ready to open an account? HERE

 

 

More From My Linc

 

Qualification 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 and credit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit or credit 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”: The period during which qualifying transactions must post and settle in order to earn rewards for the applicable statement cycle. See table below for specific qualification dates.
Reward Information:
When your linked My Linc Rewards or My Linc Cash Back account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your My Linc Nest account earn an APY of 1.50 and average daily balances over $20,000 earn a dividend rate of 0.2497 % on the portion of the average daily balance over $20,000, resulting in a range from 0.25% to 1.50% APY depending on the account’s average daily balance.
When your linked My Linc Rewards or My Linc Cash Back account qualifications are not met, the entire average daily balance in the My Linc Nest account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.
Dividends will be credited to your My Linc Nest account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 03/13/2025.
APY calculations are based on an assumed balance of 20,000 + $100,000 in your My Linc Nest 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.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply.
$25.00 minimum deposit is required to open the account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per SSN.
There are no recurring monthly maintenance charges or fees to open or close this account.
A My Linc Rewards, or My Linc Cash Back account is required to have a My Linc Nest account.
A linked My Linc Nest account is required for automatic savings.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. All of your deposits are federally insured by NCUA up to $250,000.

My Linc Accounts Qualification Disclosure

The following dates apply to My Linc accounts. Monthly Qualification Cycle dates are separate from statement cycle dates. Please refer to your account’s Truth-in-Savings disclosure for complete qualification requirements.
To earn rewards, all qualifying transactions must post and settle to your specific My Linc account within the Monthly Qualification Cycle dates listed below. Transactions bundled together by merchants and received by our credit union as a single transaction are counted as one transaction for reward qualification purposes. Account transactions and activities may take one or more days to post and settle, and must do so within the Monthly Qualification Cycle in order to qualify for rewards.

Month Monthly Qualification Cycle Begin Monthly Qualification Cycle End Statement Cycle Begin Statement Cycle End
December 2025 11/28/2025 12/30/2025 12/01/2025 12/31/2025
January 2026 12/31/2025 01/29/2026 01/01/2026 01/31/2026
February 2026 01/30/2026 02/26/2026 02/01/2026 02/28/2026
March 2026 02/27/2026 03/30/2026 03/01/2026 03/31/2026
April 2026 03/31/2026 04/29/2026 04/01/2026 04/30/2026
May 2026 04/30/2026 05/28/2026 05/01/2026 05/31/2026
June 2026 05/29/2026 06/29/2026 06/01/2026 06/30/2026
July 2026 06/30/2026 07/30/2026 07/01/2026 07/31/2026
August 2026 07/31/2026 08/30/2026 08/01/2026 08/31/2026
September 2026 08/31/2026 09/29/2026 09/01/2026 09/30/2026
October 2026 09/30/2026 10/29/2026 10/01/2026 10/31/2026
November 2026 10/30/2026 11/29/2026 11/01/2026 11/30/2026
December 2026 11/30/2026 12/30/2026 12/01/2026 12/31/2026