To earn up to $300, simply deposit at least $500 into your account during each 30-day period during the first 90 days after account opening, and you'll receive $100 credited to your account for each qualifying month*. Click here to learn more.
Get up to $300*
Earn up to $300 within the first three months of opening a Momentum Checking Account!
Momentum Checking
Momentum Checking Account Features
Buy Now Pay Later
Split eligible purchases into manageable installments to ease the immediate financial burden and help with budget management.
CreditScore+
Monitor your credit score, evaluate your debt with a real-time debt-to-income (DTI) calculator, and see the potential impact of future financial decisions on your score instantly. Access comprehensive credit insights all in one place.
CashBack+
Earn up to 20% cash back when you purchase gift cards from your favorite brands. With hundreds of options, you can earn rewards on everything from daily necessities to special treats.
Surcharge-Free ATMs
Easily use your card on the go, no matter where you are. When you open your Momentum Checking account, you’ll have access to 70,000 ATMs nationwide, and more than 400 on Long Island.*
Extended Banking Hours
Interactive Teller Machines (ITMs) are an exciting new technology combining the features of a traditional ATM and the ability to interact with a live personal banker via video - as well as additional transaction types.
Online Banking
Monitor and pay your bills anytime with our 24/7 online and mobile banking tools. Enjoy convenient, round-the-clock access to manage your payments.
Courtesy Pay
Avoid insufficient funds fees with Suffolk Credit Union's Courtesy Pay Overdraft Protection. Ensure your transactions are covered, preventing declined payments and costly fees.†
Mobile Wallet
Use our safe and secure mobile wallet with tap & pay for convenient, contactless payments. Simplify your transactions effortlessly and enjoy peace of mind.
Zelle®
Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money!
Frequently asked checking promotion questions.
All new Checking accounts opened between September 17th and December 31st are eligible. No promotional code required.
Existing members are eligible IF they don't currently have a checking account and have not closed a previous checking account in the past 90 days.
Yes. The qualifier for the promotion is a deposit of at least $500 in one transaction into your checking account (with new money) each 30-day period for the first 90 days and earn $100 each 30-day period. “New money” is defined as available funds from an outside financial institution deposited in the last 7 calendar days via check, cash, ACH, wire transfer, or Shared Branch deposit. This includes direct deposit.
The promotional period takes place between September 16th and December 31st.
90-Day period begins on account opening date.
Members will receive the $100 payment in their checking account within 7 business days of the end of each 30-day period in which they qualify. Rewards are NOT given as soon as the $500 deposit is made. The rewards are given on the Tuesday after the period ends.
EXAMPLE: If you open a Checking account on October 1st, you have until October 31st to make a $500+ deposit. You will be issued your first $100 reward on Tuesday, November 5th.
You will receive an email reminder if you do not make a $500 deposit within the first two weeks of opening your account. Additionally, feel free to give us a call, send us a secure message on online banking, or stop by a branch and we will be happy to provide this information.
Yes, these offers can be combined.
Open your account today!
Advice for your ahead.
*Offer valid for accounts opened September 18–December 31, 2024. Deposit at least $500 in one transaction each 30-day period (with money not already on deposit at Suffolk Credit Union) for the first 3 months and earn $100 at the end of each 30-day period. Promotional month is calculated from the account opening day (Period/Month 1: 1-30 days, Period/Month 2: 31-60 days and Period/Month 3: 61-90 days from account opening date. Existing memberships without a checking account in the past 90 days are eligible. Cash bonus is taxable. Members who have been paid a new checking account bonus previously are ineligible to receive this offer. To receive this bonus, the enrolled account must not be closed, negative or restricted at the time of payout. Visit suffolkcu.org/bonus-300 for details.
**Rates valid as of 9/3/24. Momentum Rewards provides a high-rate dividend each month to members that complete at least 20 debit card purchases per month and maintain an average daily balance of $5,000 in their Checking account. Accounts meeting the monthly criteria will automatically receive 1.50% Annual Percentage Yield (APY) applied to balances up to $20,000 and 0.05% APY applied to balances greater than $20,000. Dividends are calculated on a day-of-deposit to day-of-withdrawal basis and credited monthly. Rates and terms are subject to change after account is opened. Membership eligibility rules apply. Fees could reduce the earnings on the account.
†Each additional out-of-network ATM transaction will incur a $2.50 fee. Other ATM operators may charge fees.
††Courtesy Pay is a non-contractual overdraft courtesy that is available to eligible individually/jointly owned accounts in good standing for personal or household use. Suffolk Credit Union reserves the right to limit participation to suspend, revoke or discontinue this service without prior notice.