RT# 267078707
RT# 267078707
ON EVERYDAY PURCHASES
Free checking that rewards how you spend.
Surf Checking rewards the purchases you already make — from coffee runs to groceries to gas — so your everyday spending goes further.
Complete these three simple activities during each Monthly Qualification Cycle:
Use your Surf debit card at least 12 times during the monthly qualification cycle.
Have at least one direct deposit or ACH payment post to your account.
Receive your monthly statements electronically.
That's it! Meet all these qualifications and you can earn up to 5.00% cash back on your everyday purchases - plus receive refunds on ATM withdrawal fees nationwide*. If you don't qualify one month, your account is still free, and you can qualify again the next cycle.
Surf Checking comes with added protection and convenience to help you manage your money with confidence.
Our standard overdraft protection links your checking account and savings account if your balance is not enough to cover a transaction.
When you don't have sufficient funds, we may be able to cover your transaction at our discretion. Fees may apply, and accounts must be in good standing.
Manage your account anytime, anywhere with online and mobile banking, mobile deposit, card controls and more.
| Best For | Everyday Spending | Extra Cash |
|---|---|---|
Account |
Sail Checking |
Surf Checking |
Features |
5.00% APY* on balances as much as $10,000 Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)* Link to free Shore Savings to build savings automatically |
Get 5.00% cash back on debit card purchases^ Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)^ Link to free Shore Savings to build savings automatically |
Monthly Service Fee |
None |
None |
Interest Earned |
Yes |
Yes |
Minimum Daily Balance to Earn Rewards |
None |
None |
Minimum Opening Deposit |
None |
None |
Since 1946, SUN Credit Union has been proudly serving our South Florida community with a neighborly, hometown touch. We’re not just another financial institution—we’re part of your story. As a member-owned credit union, we put people before profits and take pride in helping our members reach brighter financial horizons. When you bank with SUN, your money stays local, supporting the same community you call home.
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards. The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle” means a period beginning one (1) day after the last day of the previous qualification cycle through one (1) day prior to the last day of the current Statement Cycle. See below for specific Monthly Qualification Cycle dates.
Click here or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information: When Surf Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200.00 PIN-based/signature-based debit and credit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to $20.00 for nationwide ATM withdrawal fees incurred within your Sail Checking or Surf Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Sail Checking and Surf Checking; Shore Savings ATM transaction fees are not reimbursed nor refunded.
When your Surf Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Surf Checking account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
Monthly Direct Deposit/ACH credit, enrollment in online banking, enrollment in e-statements are conditions of this account(s).
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
You are now leaving the Credit Union's website and are linking to a website operated by a third party not associated with the Credit Union. SUN Credit Union does not guarantee, approve, or endorse the information, products, or services available at this website, nor does it represent you or the third party if you enter into a transaction with the third party. The privacy and security policies practiced by the third party may be different from those that the Credit Union practices.
