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Life Credit Union

Full Circle Checking

One well-rounded checking account

Get rewards that make their way back to you.

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  • Full Circle Checking

    With Full Circle checking, keeping an account balance of $1,000 or more automatically earns you monthly dividends (aka free money). Plus, whether you do more banking with us or actively use your debit card, it’s easy to have the $7.50 monthly fee refunded to your account and enjoy every benefit of a checking account that pays for itself (and then some).

    STAY AHEAD OF THE CURVE.

    When you’re ready to take your relationship with your checking account to the next level, Full Circle is here. The higher your balance, the more monthly dividends you’ll earn. To get started, all you need is a Life membership plus $25 to open your Full Circle checking account. And while there is a $7.50 monthly maintenance fee, we’ve designed this account to help you get that fee refunded each month. By meeting any one of the below criteria in any given month, you’ll receive a credit for your monthly maintenance fee:

    • Use your Fortera Mastercard® debit card 15x per month. Recurring payments are included (hello, movie night in), but ATM transactions and cash advances don’t count.*
    • Own an active Life loan or mortgage.
    • Own an active Life credit card account.

     

    More to Love

    Some Fortera accounts include some pretty great bonus benefits. This is one of them.

    • Mobile Phone Replacement: Pay your monthly cellular bill with your Fortera Mastercard debit card and if your phone gets damaged or stolen, you’ll receive a reimbursement.
    • Identity Fraud Payback: If your identity is stolen, eligible members receive reimbursement for expenses related to restoring your identity.
    • Access to Hotspots: Enrolled Fortera Mastercard debit cardholders can enjoy access to Boingo Wifi at more than 1 million hotspots around the world including airports, hotels, restaurants, coffee shops, inflight, and more — at no additional cost, and on up to 4 devices.
    • Price Difference Payback: Receive reimbursement for price differences on purchases made with your Fortera Mastercard debit card.
    • Satisfaction Payback: Get up to a $250 refund on products you are dissatisfied with that were purchased using your Fortera Mastercard debit card.
    • Warranty Bonus: On purchases made with your Fortera Mastercard debit card, get extended warranty coverage.

  • Full Circle Checking Rates

    Type Dividend Rate APY* Minimum Balance to Earn Stated APY Dividends Compounded Dividend Credited
    Full Circle Checking | $0-$999.99 Tier N/A N/A N/A N/A N/A
    Full Circle Checking | $1,000+ Tier 0.100% 0.10% $1,000 Monthly Monthly

    Full Circle Checking has a $7.50 Monthly Fee. The service fee for the Full Circle Checking Account cannot be avoided with a minimum balance. However, you can have the monthly fee refunded to your account by making 15 debit card transactions per month (excluding ATM transactions) or by having a Fortera loan (mortgages and credit cards are included).**
    Restricted Transactions have a $10.00 Monthly Fee.
    *APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Fees may reduce earnings. Rate may change after account opening.
    ***We do not determine how merchants identify transactions, but reserve the right to determine which purchases qualify. PIN transactions do not qualify.

Ready to get started? ​

​Just reach out and we'll get you set up with your new checking account

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*We do not determine how merchants identify transactions, but reserve the right to determine which purchases qualify. PIN transactions do not qualify.