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Rewards Checking Special Offer: New account holders can get up to 20,000 bonus rewards points!**^
Beginners earn big with Rewards Checking.
Use your debit card, earn points, and turn them into something special. Plus, a Rewards Checking account lets you earn more with Relationship Rewards. It’s all possible with a Beginnings Rewards Checking Account.
All Beginnings' checking accounts give you:
- Access to Digital Banking.
- Access to over 85,000 surcharge-free ATMs worldwide.
- Digital Wallet Capabilities (Apple and Google Pay).
- Electronic Statements (must enroll through Digital Banking).
- Deposits are Federally Insured by the NCUA to at least $250,000.
Rewards Checking*
Earn CASH BACK Rewards when you swipe your debit card.
- Dividends paid on balances of $1,000+
- Avoid the $10 monthly fee with EITHER 15 debit card transactions per month OR a combined average daily balance of $5,000 in your checking, savings, and CD accounts.
- Opening deposit of only $25.
- Rewards checking qualifies you for monthly bonus points through our Relationship Rewards program.
Tell your friends.
There's something in it for everyone.
Invite your friends and family to open a new checking account with us and everyone will receive a certificate redeemable for a $25 gift card to spend how you like.
Switching Your Checking from Another Financial Institution to Beginnings Credit Union is Easy!
Switch Deposits+ is a tool available in Beginnings Credit Union More that makes moving your checking or savings account from another institution to a Beginnings Credit Union checking or savings account, just a few simple clicks away.
Upgrade Your Beginnings Credit Union Checking
Easily change the type of checking account you have with us.
Example: You have Simply Checking, but would like to change it to Rewards Checking so you can earn Cash Back Rewards Points when using your debit card.
*The Rewards Checking account primary owner must have a combined average daily balance of at least $5,000 in their checking, savings, and certificate accounts OR have at least 15 debit card transactions per month, otherwise a monthly service fee of $10 will be assessed. Debit card transactions must post and settle to the account to be included in the monthly count. ATM transactions are not included. Minimum opening deposit $25. Membership eligibility requirements apply. UChoose registration required to redeem points.
**10,000 bonus points will be awarded to individuals who open a new Rewards Checking account between 10/01/26 – 12/31/26. 5,000 additional bonus points will be awarded to individuals who, within 90 days of account opening, use their Beginnings Rewards Debit Card for purchase(s) totaling $5,000 or more.
***5,000 bonus points will be awarded to both existing and new cardholders who use their Beginnings Rewards Credit Card for purchase(s) totaling $5,000 between 10/1/26-12/31/26.
^Bonus points will be credited to the account within 30 days of opening and first purchase, or within 30 days after purchase amount requirements being met. Account holders are eligible to receive bonus points on each new account they open. All credit cards are subject to approval. UChoose Registration required to redeem points. Federally insured by NCUA.
We offer rewards checking in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.