Lighthouse Rewards Checking

Earn 1% cash back on your everyday in-store and online debit card purchases¹

Earn cash back with your debit card

Earn 1% cash back on everyday debit card purchases,¹ up to $50 a month, $600 a year. Keep the cash or donate it to the Lighthouse Credit Union Foundation and we’ll match it. Plus, get paid up to two days early with direct deposit,² and bank anywhere with the Lighthouse Mobile Banking App.

1% cash back up to $50 monthly¹

Access 30,000+ surcharge-free ATMs nationwide

Get paid up to two days early²

Qualify for loan discounts³

Build Your Savings

Stay prepared for emergencies and unexpected expenses

Earn up to $50 a month on eligible purchases. Choose to keep it or donate it. Donations will go directly to the Lighthouse Credit Union Foundation to support our local communities.

Because who really likes to wait for payday?
Enroll in direct deposit and we’ll post your deposit as soon as we receive your payroll information – often one or two days before your scheduled payday.¹

Get paid early

Set up direct deposit to your Lighthouse Checking

Nationwide Access

Over 30,000 ATMs + 5,900 shared branches

You’ve got access to ATMs and shared branches wherever you are with 30,000 surcharge-free ATMs and 5,900 shared branches nationwide. Search for locations near you.

FAQs

How do I earn 1% cash back?

Simply use your Lighthouse Visa Debit Card for everyday purchases, online or in-store. We’ll post your cash back credit, up to $50 per month, right into your checking account at the close of each month.¹

Are there any fees for Lighthouse Checking?

There is a $5 monthly fee for Lighthouse Rewards Checking. However, that fee is waived when you maintain a $2,500 average daily balance in your account.

How do I get paid early?

Set up direct deposit of your paycheck or benefits into your Lighthouse Checking or Rewards Checking account. We’ll post your deposit as soon as we receive the information from your payroll company, often up to two days before your official pay date.²

What if I overdraft my account?

Accidents happen, and that’s why there’s Overdraft Protection. Link another Lighthouse account and if a transaction posts that exceeds your available checking balance, funds from your designated Lighthouse account will be used to cover the transaction. Contact us or visit a branch to set up overdraft protection.⁵

Terms apply. 1% cash back on eligible POS (point-of-sale) and signature-based purchases made with a Lighthouse Rewards Checking debit card. Please see the Lighthouse Rewards Checking Account Guide for complete details and information on limitations and eligibility.
Direct deposit of your payroll, retirement, or pension may be posted to your account up to two days prior to your scheduled pay date. Deposit date is based on when we receive your payroll information. Lighthouse Credit Union does not assume any liability for funds not being deposited early.
Loan discounts do not apply to credit cards, first mortgages, Interest-only HELOCs, CULA Leases, Electric Energy Efficiency, Share and Certificate secured, Commercial, ADU Home Renovation, or Impact loans. A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum.
A $5 fee is applied to the Rewards Checking account each month. The fee is waived if the account’s average daily balance is at least $2,500.
If you elect to have Overdraft Protection, we will transfer funds from your designated Lighthouse Credit Union account to cover overdrafts from your checking account. A transfer fee will apply, please refer to our Schedule of Fees for details.

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