The eChecking account earns up to 3.00% APY on balances of $20,000 and below when you complete 40 or more debit card transactions, receive direct deposit or ACH debit, enroll in e-statements, log into digital banking at least once monthly, and have a valid email address each calendar month. Balances above $20,000 earn 0.05% APY. If qualifications are not met, the entire balance earns 0.05% APY.
Eligibility
How to get the Shell FCU eChecking rate
- Complete 20 or more debit card withdrawals that post and settle to your account.
- Be enrolled and log into digital banking at least once a month.
- Receive e-statements.
- Have a valid email address.
- Have a direct deposit or ACH debit made to your eChecking account.
The fine print that matters
- Tiered rate: 2.00% APY on balances $20,000 and below with 20-29 debit transactions; 2.50% APY on balances $20,000 and below with 30-39 debit transactions; 3.00% APY on balances $20,000 and below with 40+ debit transactions
- Balances above $20,000 earn 0.05% APY regardless of tier
- If minimum service requirements are not met in a calendar month, entire balance earns 0.05% APY
- All transactions must post during the calendar month to qualify
- ATM fees up to $20 reimbursed when qualifications are met; not reimbursed if qualifications are not met
- One eChecking account allowed per membership
- Without the monthly qualifications the rate is 0.05% APY.
Verification and reports
Confirmed against shellfcu.org on Aug 14, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: shellfcu.org rate page (checked Aug 14, 2026)