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Excite Credit Union logo

Personal Bank Account

Excite Credit Union

Bonus

$25

APY

1.00%

Monthly Fee

None

To Qualify

12 Transactions

Availability

CA, NC

View Offer

Bonus Details

$25 visa rewards card when signing up with link

How To Qualify

Within 90 days of opening a new Go Checking account, either complete 6 debit card transactions (excluding ATM transactions) in each of 2 calendar months (12 total), OR deposit $600 in each of 2 calendar months ($1,200 total).

APY Details

1.00% APY for the displayed $0.01–$20,000 premium tier; 0.10% APY for the displayed $20,000+ standard tier. Interest compounds daily and is credited monthly.

APY Requirements

To earn dividends, enroll in eStatements, have 6 posted debit card transactions per statement period, and receive at least $500 in direct deposits per statement period. These conditions are separate from the referral bonus requirements.

The Fine Print

Monthly Fees
None
Credit Inquiry
Soft Pull
Household Limit
None
Account Type
Personal Bank Account
Expiration Date
None Listed
Additional Requirements
Register through the referral link and open a new Go Checking account. Referrer and referee must be at least 18. Minimum checking opening deposit is $25. Membership separately requires a $5 share deposit that must remain deposited until membership ends.
Availability
California, North Carolina

Membership eligibility: live, work, worship, or attend school in Santa Clara, San Mateo, Alameda, Santa Cruz, Monterey or San Francisco County, California, or Brunswick, New Hanover or Pender County, North Carolina; OR be a member of or employed by a partner organization or business; OR have a family member, domestic partner or roommate who is an Excite member.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

Go Checking Rates All rates effective as of 09/10/2026 Deposit Range APY* Dividend Rate Premium Rate $0.01 - $20,000.00 1.00% 0.99% Standard Rate 20,000.00+ 0.10% 0.10% Best For Everyday checking needs for those on the go. Monthly Fee $0 Pays Dividends Yes* Minimum Opening Deposit $25 Minimum Daily Balance $0 Let’s Get Going! Dividends: Interest is compounded daily and credited monthly. Payment of dividends requires the account to be set up for eStatements, have 6 posted debit card transactions per statement period, and receive a minimum direct deposit of $500 into the Go Checking per statement period.

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