{"slug":"shell-fcu-echecking-rate","category":"bank","institutionSlug":"shell-fcu","product":"eChecking","title":"Shell FCU eChecking: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"Conditional: 40+ debit txns, DD, e-statements, digital","expiresOn":null,"status":"live","verifiedOn":"2026-08-14","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividend rates paid monthly; qualification cycle aligns with calendar month","applyDomain":"shellfcu.org","applyUrl":"https://www.shellfcu.org/Products/Checking","summary":"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.","reqSteps":["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."],"finePrint":["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."],"apy":300,"apyTerm":"variable, tiered rate based on debit card transactions","listedOn":"2026-08-14","listedAt":"2026-08-14T13:06:08.376Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"shellfcu.org rate page","url":"https://www.shellfcu.org/Products/Checking","checkedOn":"2026-08-14"}],"needsVerification":false}