# Shell FCU eChecking: 3.00% APY Canonical: https://dealaka.com/offers/shell-fcu-echecking-rate - Status: Limited reports - Bonus: 3.00% APY - APY: 3.00% (variable, tiered rate based on debit card transactions) - Requirement: Conditional: 40+ debit txns, DD, e-statements, digital - Expires: no published end date - Availability: Nationwide - Institution: Shell FCU - Verified: Aug 14, 2026 against shellfcu.org - Field reports: 0 ## 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. ## Requirements 1. Complete 20 or more debit card withdrawals that post and settle to your account. 2. Be enrolled and log into digital banking at least once a month. 3. Receive e-statements. 4. Have a valid email address. 5. Have a direct deposit or ACH debit made to your eChecking account. ## 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. ## Sources - shellfcu.org rate page (checked Aug 14, 2026) _This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._