checking account with perks
with a spark of financial freedom
Questions and Answers
Fill out the form below to open an Amped Checking Account. This form also has the option to add an Amped Savings Account to your Amped Checking Account.
Fill out the form below to add an Amped Savings Account!
- Log in to Online Banking
- Hover over the “Member Services” tab and click “eStatements”
- Click “Enrollment Preference”
- Click “Enroll for eStatements”
- Read the terms and conditions disclosure, then click the button to continue
- Click “Enroll Now”
Monthly Qualification Requirements:
- Be enrolled in eStatements
- Have a valid email address on file
- Be enrolled in Online Banking and log in at least once a month
- Swipe your Debit or Credit Card at least 15 times a month
- Have at least $500 direct deposited into the account each month
- Maintain an Amped Checking Account
- Have an eligible loan or credit card
- Personal Loan
- Auto Loan
- Visa Credit Card
- Home Equity Loan
- Mortgage
- Credit Builder Loan
- Share Secured Loan
- Certificate Pledge Loan
Fill out this form to enroll in direct deposit!
If you don’t qualify this month, it’s okay! Try again next month; there’s no penalty.
If you have an Amped Checking account and have seen the phrase ‘see dividend status’ on your statement, this means that the account, unfortunately, did not meet the requirements to earn the high dividend that month.
- Be enrolled in eStatements
- Have a valid email address on file
- Log in to Online Banking at least once a month
- Swipe your Debit Card or Credit Card at least 15 times per month
- Have at least $500 direct deposited into the account each month
Eligible loans include: Personal Loan, Auto Loan, VISA Credit Card, Home Equity Loan, Mortgage, Credit Builder Loan and Share or Certificate Pledge Loan.
- Personal Loan
- Auto Loan
- Visa Credit Card
- Home Equity Loan
- Mortgage
- Credit Builder Loan
- Share Secured Loan
- Certificate Pledge Loan
If you’re a pro who’s done it all before, go ahead and click the button below to get more checks ordered.
Debit Card Roundup is an easy way to save automatically. Every time you use your debit card, the purchase amount is rounded up to the next whole dollar and the difference is transferred to your designated savings account.
Small change can add up. Members can build their savings little by little through purchases they’re already making.
No extra effort required. Enroll today and the round-ups will happen automatically with your debit card purchases.
If you make a purchase for $8.25, it rounds up to $9.00 and $0.75 goes into savings. It’s designed to make saving feel manageable. Instead of setting aside a larger amount at once, members save smaller amounts throughout their everyday spending.
Debit Card Roundup works in the background. Members can continue using their debit card as usual while gradually growing their savings.
Join Ignite
Anyone who lives, works, worships, or attends school in the state of Michigan can join Ignite Credit Union!
Login
Login to Online Banking to quickly transfer money, pay bills, check balances and review recent transactions.
Contactless
A fast, contactless way to make purchases by holding your debit or credit card near a point-of-purchase device reader.
Mobile Wallet
Leave your purse or wallet at home. Shop with your phone or smartwatch. It’s easy and fun!
Card Controls
Get card activity alerts, turn your card on or off and view account balances.
ATM Locater
Need to withdraw cash? Use our ATM Quick Search to find an ATM near you.
with a spark of financial freedom
supercharge your savings
Monthly Qualification Requirements:
- Be enrolled in eStatements
- Have a valid email address on file
- Be enrolled in Online Banking and log in at least once a month
- Swipe your Debit or Credit card at least 15 times a month
- Have at least $500 direct deposited into the account each month
Monthly Qualification Requirements:
- Maintain an Amped Checking account
- Have an eligible loan or Credit Card
| Checking Accounts | Tier | APY* | Min. Balance To Earn |
|---|---|---|---|
| Amped Checking | $0.01 - $10,000.00 | 5.00% | $0.01 |
| Amped Checking | $10,000.01 & Up | 0.01% - 5.00% | $0.01 |
| Savings Accounts | Dividend Rate | APY* | Min. Balance To Earn |
|---|---|---|---|
| Regular Savings** | 0.10% | 0.10% | $5.00 |
| Special Savings | 0.10% | 0.10% | $5.00 |
| Amped Savings | 4.89% | 5.00% | $0.01 |
| Trailblazers Youth Banking*** | 2.10% | 2.12% | $5.00 |
| Club Accounts | 0.10% | 0.10% | $5.00 |
| IRA Savings | 0.50% | 0.50% | $5.00 |
**$100 minimum balance to avoid a service fee. Minimum shares balance fee will be charged on aggregate savings balances of <$100 and no other services. The minimum shares balance fee is waived if the member has any different additional account under the same membership, and for primary account holders under the age of 18.
***Trailblazer Youth Accounts are available for ages 0-17 and convert to a standard account at age 18. A joint owner age 18 or older is required. Trailblazer Youth Savings receives a 2.00% rate bump to the standard savings rate, resulting in a 2.10% dividend rate and 2.12% APY. APY = Annual Percentage Yield. Rates, terms, and features are subject to change; see our current Truth-in-Savings disclosures for full details. Good Grade Bonus: $1.00 per "A" (or equivalent), up to $25 per school year. No minimum balance required. Bonus is paid upon approval and may be reported as taxable income. Youth Certificates: 12-, 24-, and 48-month terms with a 0.75% APY bump; $50 minimum and $5,000 maximum per certificate; limit of three Youth Certificates per youth. Early withdrawal penalties may apply. Fees: No monthly maintenance fees and no overdraft fees apply to this account type; other fees may apply. Debit cards for ages 12-17 require approval from the adult joint owner. Membership eligibility required. Federally insured by the NCUA.
Disclosures:
*APY = Annual Percentage Yield. Amped Checking: 5.00% APY applies to balances up to $10,000 when monthly qualification requirements are met. Balances above $10,000 earn 0.01%–5.00% APY. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings. Rates are variable and may change after account opening.
**Amped Savings: Balances up to $25,000 receive 5.00% APY; balances above $25,000.01 receive 0.01%–5.00% APY. To earn the advertised rate, members must maintain an active Amped Checking account, meet all monthly qualification requirements, and have an eligible loan in good standing with the Credit Union. Eligible loans include personal loans, auto loans, VISA credit cards, home equity loans, mortgages, and other qualifying loans. If the member no longer has an active loan, they have 30 days to open a new qualifying loan, or the Amped Savings account will be closed and funds transferred to a Regular Share account. If Amped Checking qualifications are not met, the dividend rate will be 0.01% APY. Fees may reduce earnings. Rates are accurate as of the last dividend declaration date and may change after account opening.
***ATM fee rebate: If you use your Amped Checking debit card at an ATM not owned by any of our Ignite Credit Union brands, you are eligible for a rebate of the surcharge you are charged, up to $20 per month. Rebates are applied at the end of the month, not as the transactions occur. On the last day of the month, we will total up the ATM surcharges you were charged over the month and rebate the total (up to $20.00). The rebate transaction will appear on your statement and/or in your Account History when you log into your Online Banking. Members not meeting the dividend requirements will not earn foreign ATM surcharge fee refunds.
Your budget is your blueprint for keeping cash flow positive, and for sticking to your saving goals. If you have a partner, it’s essential to have one overall household budget. That big picture is indispensable for having a good sense, based on actual numbers, of where the two of you stand financially, and how you plan to stay on track throughout the year.
with a spark of financial freedom
get amped rewards
Consumer debit cardholders across all Ignite Credit Union brands/divisions are eligible to participate in ScoreCard Rewards.
Members can earn ScoreCard Rewards points through eligible debit card activity and redeem their accumulated points through the ScoreCard Rewards program.
Members have a variety of redemption options, including merchandise, gift cards, travel, discounts, charitable contributions, event tickets and more.
Yes! At select participating retailers, members may be prompted during checkout with an opportunity to redeem points toward their purchase.
For example, a member shopping at Walgreens may see an offer such as:
Enjoy money off your purchase when you redeem x amount of points during checkout.
Offers and participating retailers may vary.
ScoreCard Rewards is a points-based program, so rewards aren’t paid out as cash back. At select retailers, you may be given the option at checkout to apply your points toward an eligible purchase. Availability varies by retailer and purchase.