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Routing Number: 211180133

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860-627-4200
800-544-4728

Equal Housing Lender   Verified by Visa
Federally Insured by NCUA
  360FCU offices will be closed
  Monday, May 29 in observance
  of the Memorial Day holiday.
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360 Federal Credit Union

360 Federal Credit Union
Mobile Applications
Checking Accounts

We offer several choices for your checking account needs but you decide which one is right for you. You can link your checking account to a low-interest Overdraft Protection Line of Credit1 or another savings account to avoid the possibility of bounced checks. Our FREE checking accounts include;

  •  A free Visa® Debit Card
  •  Twelve (12) free starter checks
  •  No minimum balance requirements
  •  Never a monthly service fee
  •  No per-check charges
Premium Checking
A high-yield checking account.

This is our high-yield checking account where you don't have to have a large balance to receive the high dividend rate. When you qualify2 you are guaranteed the high dividend rate.

Be sure you add a RealSaver account when you open your Premium Checking. The RealSaver is linked directly to your Premium Checking account, each month the rewards earned in your Premium Checking are automatically transferred to RealSaver, where they continue to grow dividends. Increase your savings automatically!

  •  2.00% APY3 on your Premium Checking balance up to $10,000
  •  ATM and surcharge fee refunds up to $20 per qualification cycle4
  •  0.25% APY3 on your Premium Checking balance over $10,000

Monthly Qualification Cycles

The following qualifications2 must be met on your Premium Checking account per qualification cycle in order to get the high dividend rate and fee refunds.

  •  Minimum of twelve (12) Visa Check Card purchases must post and clear
  •  Minimum of one (1) direct deposit or ACH automatic debit or bill pay
  •  Receive eStatements
Don't meet the monthly qualifications? No worries - No penalty and still earn a base dividend rate of 0.05% APY3
Rates as of: 5/31/2016 12:06:55 PM
 
Dividend Rate
APY3
Premium Checking
1.98%
2.00%
On Balance Up To $10,000
Requirements Met
0.25%
0.25%
On Balance Over $10,000
Requirements Not Met
0.05%
0.05%
On Entire Balance
RealSaver & Premium Checking
0.75%
0.75%
On Balance Up To $5,000
Requirements Met
0.10%
0.10%
On Balance Over $5,000
Requirements Not Met
0.05%
0.05%
On Entire Balance
See Truth In Savings for details
360 iChecking
The account that moves with you.

Earn credits for iTunes® and Amazon.com® downloads with this account. When you qualify you receive a monthly credit and fee refunds.

  •  $10 in iTunes or Amazon.com downloads when you sign up5
  •  $10 in iTunes or Amazon.com downloads each cycle you qualify5
  •  ATM and surcharge fee refunds up to $20 per cycle4
Monthly Qualification Cycles

The following qualifications2 must be met on your 360 iChecking account per qualification cycle in order to get the iTunes and Amazon.com downloads and fee refunds.

Don't meet the monthly qualifications?
No worries, there are no penalties.
Basic Checking
A basic checking account.

      Annual Percentage Yield (APY).

1) Line of credit up to $10,000. Subject to credit approval.

2) Qualifying transactions for each statement cycle must clear by the second to the last business day of the month. All qualification transactions must be posted to the account and cleared during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made. An ACH transaction could either be a deposit or a withdrawal. Debit card transactions must be point-of-sale transactions. ATM-processed transactions do not count towards qualifying debit card transactions. In order for a Visa Check Card purchase to count for the month, it must have posted and cleared during the qualification cycle.

3) Annual Percentage Yield (APY).
Rates may change after the account is opened. No minimum balance required. No monthly service charge. Available to personal accounts only. This offer may be revised or withdrawn at any time. 2.00% APY applies to balance of $.01 – $10,000 and 0.25% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. For RealSaver 0.75% APY applies to balances of $.01 – $5,000.00 and .10% APY applies to balances over $5,000.00. 0.05% APY applies to all balances if qualifications are not met.

4) ATM fee refunds up to $20 are provided only if qualifications are met within qualification cycle. Only ATM transactions posted to your Premium Checking (or 360 iChecking) account and cleared during the qualification cycle are refundable. EX: if the member were to make an ATM withdrawal on Jan 31 and is charged a fee, it would be reflected in the Feb qualification period. ATM fees up to $20 will be refunded (if qualifications are met) in the qualification period in which they were made. ATM fees will be reimbursed up to a maximum of $4.99 per individual transaction.

5) Receive $10 in downloads refunds with initial account opening regardless of qualifications. Earn up to $10 in download refunds each cycle when the minimum qualifications are met. Downloads must be purchased with the Visa Check Card associated with your 360 iChecking account.

6) APY is subject to change. No monthly service charge. No minimum balance to open account. Must obtain a minimum balance of $5,000 to receive dividends.

7) Earn 2% cashback on purchases up to $300.00 (up to $6.00 cashback) on point of sale transactions when you use your Visa Check Card and qualifications are met. Excluding returns and ATM transactions. No minimum balance required to earn cash back rewards. No monthly service fee. Available to personal accounts only. Maximum of two (2) CashBack Checking accounts per social security number.

iTunes® is a trademark of Apple, Inc. The program is not endorsed by iTunes® or Apple® nor is there any actual or implied joint venture, partnership or relationship of any kind between 360FCU and Apple's iTunes.

This free, no-frills checking account doesn't offer rewards or refunds but it does offer the same access convenience to your money.
Regular Checking
Rates as of: 5/31/2016
 
Dividend Rate
APY6
Regular Checking
(share draft)
0.00%
0.00%
Minimum Balance To Earn
       Dividend Is $5,000
CashBack Checking
Earn cash back when using your Visa Debit card.

Our newest checking account earns you money when using your Visa Debit Card. When you qualify2 you are guaranteed 2.00% cash back a month on your first $300 in purchases7.

RealSaver account is opened along with your CashBack Checking. The RealSaver is linked directly to your CashBack checking account, each month the cash back earned in automatically transferred to RealSaver account, where it grows dividends3. Increase your savings automatically!

  •  2.00% cash back a month on your first $300 in purchases7
  •  ATM and surcharge fee refunds up to $20 per qualification cycle4

Monthly Qualification Cycles

The following qualifications2 must be met on your CashBack checking account per qualification cycle in order to get the 2.00% cash back and fee refunds.

  •  Minimum of twelve (12) Visa Check Card purchases must post and clear
  •  Minimum of one (1) direct deposit or ACH automatic debit or bill pay
  •  Receive eStatements
Don't meet the monthly qualifications? No worries, there are no penalties.
Premium Checking