CINCO WePayU Checking

With WePayU Checking, you can earn dividends on your checking balance and more simply for using your checking account normally.

Here's how it works: There's no monthly fee or minimum balance, and we pay you great dividends on your checking account balance. Plus, if you need to use someone else's ATM, we'll actually refund their fees -- up to 20 bucks a month. You also get all the usual benefits and convenience of CINCO checking.

All we ask is just use your CINCO account normally - at least 12 debit card transactions a month* - and sign up for Direct Deposit and eStatements.

That's all there is to it! And instead of wondering where your money went, you'll be wondering where it came from.


*To receive the Reward Rate, Perform the following: Have 12 debit card purchases (POS or Credit based) post and clear per Qualification Period, Have at least one Direct Deposit post and clear per Qualification period. The Qualification Period is typically the last business day of the previous month through the day prior to the last business day of the current month. You must also Maintain a valid email address on file with us and receive your monthly account statement electronically.

Reward Rates 1.51% Annual Percentage Yield (APY) paid on balances between one penny and $14,999.99 and 0.20% APY paid on all amounts above $15,000.00 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however it will not receive ATM fee refunds for that time period. Rates as of July 1, 2013. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. **ATM refunds up to $20 per cycle when qualifications are met.

You are about to leave CINCO's site