* Promotion available as of 5/1/2024 and is subject to change without notice. New members who open a qualifying UNIFY checking account (excludes Right Start Checking) with a Visa® Debit Card will receive a $50 bonus to the checking account following the first statement cycle. Earn an additional $50 bonus by establishing a recurring ACH Direct Deposit of at least $500 aggregate per month. New Direct Deposit must be posted within 60 days of account opening and bonus will be paid in the statement cycle following the 60th day. Receive an additional $1 bonus for each purchase made with new UNIFY Visa Debit Card that exceeds $5 within the first 60 days of account opening, limit $50 bonus. Bonus will be credited to the checking account in the statement cycle following the 60th day. All bonuses are limited to one per member and account. Members with multiple accounts or accounts with multiple owners will not receive multiple bonuses. Account must be in good standing to receive any bonus and member responsible for all applicable taxes. Membership eligibility and account qualification apply, which includes opening a membership savings of at least $5. Minimum deposit of $25 required to open FREE Checking, HY Checking or eChecking Account. UNIFY employees, volunteers, and family members not eligible. Members cannot have had a UNIFY FREE Checking or eChecking Account within the last three (3) years. Not valid with any other offers.
New members who open a qualifying UNIFY checking account (excludes Right Start Checking) with a Visa® Debit Card will receive a $50 bonus to the checking account following the first statement cycle.
1ヶ月に総額$500以上のRecurring ACH Direct Depositをすることで$50ボーナス。デポジットは開設後60日以内に達成する必要あり。
Earn an additional $50 bonus by establishing a recurring ACH Direct Deposit of at least $500 aggregate per month. New Direct Deposit must be posted within 60 days of account opening and bonus will be paid in the statement cycle following the 60th day.
Receive an additional $1 bonus for each purchase made with new UNIFY Visa Debit Card that exceeds $5 within the first 60 days of account opening, limit $50 bonus.
APY = Annual Percentage Yield. As of August 29, 2024, HY Checking Accounts earn dividends up to 4.00% APY on average daily balances between $2,000—$15,000 Average daily balances between $0-$1,999.99 and over $15,000 earn 0.05% APY. Balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Consumer Truth in Savings Schedule. Each dividend yield will apply only to that portion of the account balance within each balance range. Minimum opening deposit is $25. Dividends earned and ATM fees reimbursed each month you meet the following qualifications: have recurring direct deposit or conduct eDeposits, of at least $500 aggregate for the month, and conduct at least eight (8) purchase transactions with your UNIFY debit card. Enrollment in eBanking required to track progress of HY Checking requirements.
$20 monthly account fee applies if account requirements are not met each month. Requirements include logging into FREE eBanking at least once a month, conducting eight transactions (point-of-sale or signature-based) using your Debit Card per month, and being signed up for eStatements.
Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months – which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027.
Plus, DoorDash members get up to $10 off a month on non-restaurant DoorDash orders.
Get complimentary access to DashPass – a DoorDash and Caviar membership – – a value of $120 for 12 months – which unlocks $0 delivery fees and lower service fees on eligible orders for a minimum of one year when you activate by December 31, 2027.
Plus, DashPass members get access to up to $25 in monthly savings with a $5 monthly credit automatically credited to your DoorDash account and up to $20 per month to use on non-restaurant DoorDash orders, via two $10 promos.
FAQのAre there transaction limits with my card for purchases and ATM transactions?に書いていますが、タイムゾーンはEastern Time東海岸時刻のようなので、日本で引き出す場合には朝と午後で引き出すことができる。
Daily limits reset each day at 12:00 midnight ET. Daily limits are subject to the Available to Withdraw balance in your account and specific daily transaction limits, which are not shown.
ちなみにBank of Americaのデビットカードを直接利用した場合、海外の提携銀行ATM以外で利用すると$5の手数料が毎回発生するとある。そして日本には提携金融機関やATMは無いので、日本で利用すると毎回$5は必ず発生する。
Use your Bank of America ATM or debit card at one of our International partner ATMs and avoid the non-Bank of America ATM $5 usage fee for each withdrawal, transfer or balance inquiry as well as the ATM operator access fee.
加えて、為替換算手数料として3%分がチャージされる。
Bank of America will assess an international transaction fee of 3% of the converted US dollar amount. Foreign ATM operators may offer to do your currency conversion for you, but they may charge a higher fee for conversion. To insure that your currency conversion does not incur a fee higher than 3%, you may refuse the ATM operator's offer to convert the amount of the transaction.
このアカウントは利率が2.72% (2024年6月18日現在) で運用されているので、常時お金を置いておくには向いていなかったのですが、2024年6月15日からHigh YieldのSPAXX – Fidelity Government Money Market Fund (4.95% 2024年6月18日現在) に設定することができるとDoctor of Creditの記事で知りました。
