New Member Bonus

Insured by NCUA.

General Bonus Requirements:
1. One offer per person; valid for U.S. residents only. Must be 18 years or older.
2. Account must be opened between 9/3–11/30/24.
3. Membership with a Share Savings account and $5 minimum opening deposit required; must be opened at the same time as checking account.
4. Online applicants must use promo code “OWNIT24” at account opening.
5. New members and new recipients only:
    a. Cannot have been a previous member (owner of a Primary Share account) of Wings Financial Credit Union within 12 months of promotional account application.
    b. Cannot have previously received a new account bonus.
6. The maximum amount one member can earn during the promo period is $600, if all requirements are met.
7. Bonus will be reported as interest earned on IRS form 1099-INT, and recipient is responsible for any applicable taxes. Consult your tax advisor.
8. Not applicable to business accounts and accounts established for estates, benefits, trusts or in a fiduciary capacity.
9. If you do not meet the requirements for this offer, you will not receive the bonus. Disputes regarding promotion requirements must be submitted to Wings Credit Union by 4/7/25 (for accounts opened in September/October) or 5/7/25 (for accounts opened in November) in branch, via phone, or online.

Checking Account Bonus Requirements: Complete General Bonus Requirements (above). Each of the following must be completed using the same checking account within 60 days of account opening:
1. Recurring Qualified Direct Deposit(s) totaling at least $1,500 to earn the $150 bonus, $3,500 to earn the $300 bonus, or $5,000 to earn the $400 bonus.
    a. Note, Direct Deposit must also be active on the Bonus Payout Date. “Qualified Direct Deposit” is an Automated Clearing House (“ACH”) automatic and electronic deposit of your salary, pension, Social Security or other regular income into your Wings account deposited as a Pre-arranged Payment and Deposit (“PPD”) entry. Income earned through self-employment or working an IRS-classified “Gig Economy” job does not qualify as a Qualified Direct Deposit. Other electronic deposits or person-to-person payments are not considered a Qualified Direct Deposit.
2. Enroll in Wings digital banking.
3. Enroll in eDocuments.
    a. Note, enrollment in eDocuments must also be active on the Bonus Payout Date.
4. Complete at least 5 net PIN or signature-based debit card or credit card transactions over $25 each.

If requirements are met, Checking Account Bonus will be paid by 1/17/25 (for accounts opened in September/October) or by 2/21/25 (for accounts opened in November) (“Bonus Payout Date”) as a deposit to the Wings checking account; account must be in good standing (positive balance for the last 30 days).

Savings/Certificate Bonus Requirements:
1. Complete Checking Account Bonus Requirements (above)
2. Open a Wings savings account OR certificate account with minimum opening balance of $25,000 within 60 days of membership opening date.
    a. New deposits only; must be opened in branch or by phone. Must have a minimum available balance of $25,000 on 1/31/25 (for accounts opened in September/October) or 2/28/25 (for accounts opened in November) to earn $200 bonus.
    b. IRA accounts excluded.

If requirements are met, Savings/Certificate Bonus will be paid by 2/7/25 (for accounts opened in September/October) or 3/7/25 (for accounts opened in November) as a deposit to the Wings checking account; account must be in good standing (positive balance for the last 30 days).

Rates effective as of November 21, 2024 and subject to change. Fees may reduce earnings.

¹High-Yield Checking Requirements: ACH direct deposit(s) of $1,000 or more, eDocuments enrollment & 15 net PIN or signature-based debit transactions over $5 each in the 34 calendar days preceding the last business day of the month.

Rates effective as of November 21, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.

¹Share Savings Account: Minimum balance to open Share Account - $5

*ACH direct deposit(s) totaling $1,000 or more required to obtain the displayed rate. If requirement is not met, the rate will be 0.25% lower.
ACH direct deposit = One or more ACH deposit totaling over $300 in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
Platinum Plus Savings rate without direct deposit: 4.50% APY.
Platinum Plus Savings requires a minimum opening balance of $25,000 (new deposits only); must maintain an average daily balance of $25,000 to earn the disclosed APY.

¹Wings Investment Money Market Account: Minimum balance to open Wings Investment Money Market and Wings IRA Investment Money Market—$5,000;