Straight4ward Rewards Checking | Honest, straightforward, hard-working... just like you
Straight4ward Rewards Checking is exactly what is claims to be -- simple, straightforward and supremely rewarding. It's the traditional free checking account that pays interest like a certificate of deposit!
Straight4ward Rewards Checking was created to reward you when you manage your money in a way that benefits both you and your fellow 4Front members. Simply perform four basic banking tasks during a month to earn a very handsome return on your checking account balance, up to $15,000. There's no hidden fees or hoops to jump through... it really is THAT easy!
- Perform four simple tasks each month and earn a market leading dividend rate of 4.00% (4.08% APY*) on up to $15,000 of your average daily balance!
- No monthly service charges or fees, no minimum required opening deposit
- Free smart Mastercard® debit/ATM card with CardValetTM mobile card management app
- Free online banking and mobile banking, featuring our handy rewards tracking widget which gives you a daily snapshot of your qualifying status
Time-saving conveniences like online Bill Pay and eStatements/eNotifications
- Access to nearly 30,000 surcharge-free CO-OP Network ATMs across the nation, more than any other single financial institution including all the big banks
- Overdraft Privilege and Courtesy Pay
- National Credit Union Administration (NCUA) balance insurance, up to $250,000
Consider what even a modest balance maintained in Straight4ward Rewards Checking can earn for you...
Straight4ward Rewards Checking Balance
Annual Rewards Earnings
Because we know you'll want to start earning more right away, we've created a seamless opt-in process for existing 4Front Checking and 4Front Money Market Checking account holders to convert their accounts to Straight4ward Rewards Checking within our online and mobile banking experience. We'll close your other 4Front checking and transfer your balance to your new Straight4ward Rewards Checking account so you can start earning more. You won't need a new smart debit Mastercard or new checks -- all your account information will remain the same. And the best part? We're awarding you 4.00% (4.08% APY) on your first month's balance (up to $15,000) automatically!
*APY = Annual Percentage Yield, or the effective rate of return taking into account the effect of compounding interest.
CardValet is a registered trademark of Fiserv, Inc. or its affiliates.
Straight4ward Rewards Checking Frequently Asked Questions
4Front developed Straight4ward Rewards Checking to deliver measurable value to its members in the most direct and impactful way possible – cash in their account. 4Front members have always enjoyed lower rates, low or no fees, and higher rates on deposits. Straight4ward Rewards Checking takes this philosophy a step further.
No. Straight4ward Rewards Checking is absolutely free. There is no cost to participate and no monthly service fees.
Simply log into your 4Front virtual banking platform and use our handy opt-in widget to switch real-time to Straight4ward Rewards Checking. The widget is located on the right side of your desktop online banking experience. Within 4FrontGo, our mobile app, the widget is accessible after click the “MORE” button in the upper right corner. During this very brief process, you’ll be asked to review and agree to a short account disclosure. Upon indicating your understanding and acceptance, your previous checking account will be closed and your balance from that account automatically transferred to your new Straight4ward Rewards Checking account. That’s it!
No. Like the majority of financial institutions, only one type of checking product may be attached to an account.
No. We’ve created an internal process to ensure a seamless transition from our other checking products to Straight4ward Rewards Checking. Your current smart debit Mastercard and checks will be automatically reassigned to your new Straight4ward Rewards Checking account.
Log into online/mobile banking to view your tracking widget. In desktop online banking, it’s located on the right side of the account homepage. Within 4FrontGo (our mobile app), you can view the tracking widget after clicking the “MORE” button in the upper right corner.
To ensure our members enjoy a great start to their Straight4ward Rewards Checking experience, we’re waiving your four account management task requirements. You’ll enjoy 4.00% (4.08% APY) on your first month’s deposits (up to $15,000) with no action required on your behalf.
Direct deposit, automated clearing house (ACH), cash (in-branch or ATM/VideoTeller), and check (in-branch, ATM/VideoTeller and remote deposit anywhere) can be used to meet the $500 per month deposit requirement. Transfers from other 4Front accounts cannot be utilized to satisfy the deposit requirement.
The period for monthly qualification begins at midnight on the first calendar day of a month and ends at 7:00 pm ET on the last calendar day of the month. The time period is referred to as the “Monthly Qualification Cycle.”
The end of the month requires the performance of multiple banking processes including statement data generation and dividend payments. It’s important that these processes be concluded as close possible to midnight on the last calendar day of the month.
You’ll simply forgo the 4.00% (4.08% APY) for that month. Unlike lots of other rewards checking products that assess fees to customers who fail to meet requirements, you will not incur any fees for falling short of qualifying for Straight4ward Rewards in a given month.
We use a traditional average daily balance computation to determine the balance upon which the Straight4ward Rewards dividend will be paid.
Your previous month’s Straight4ward Rewards Checking dividend will be deposited directly into your Straight4ward Rewards Checking account on the first calendar day of each month.
Your previous month’s Straight4ward Rewards Checking dividend will be deposited on the first calendar day of each month.
You’ll earn 4.00% (4.08% APY) on your balance up to $15,000. Any amount over $15,000 will not earn a dividend.