Posted by William Charles on October 30, 2018
Rewards Checking

Published on October 30th, 2018 | by William Charles


4Font Credit Union Rewards Checking Account 4.08% APY On Balances Up To $15K – Direct Deposit Not Required [MI & In Branch only]

Offer at a glance

  • Interest Rate: 4.08%
  • Minimum Balance: None listed
  • Maximum Balance: $15,000
  • Availability: Michigan & in branch only. [Branch locations]
  • Direct deposit required: No, just deposit $500 or more
  • Additional requirements: See below
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Insured: NCUA

The Offer

Direct link to offer

  • 4front Credit Union offers the Straight4ward Rewards Checking Account. This offers 4.08% APY on balances up to $15,000 when the following requirements are met:
    • Deposit $500 or more (direct deposit not required)
    • Log-in to online/mobile banking one or more times
    • Make 15 or more purchases with your 4Front smart debit MastercardTM
    • Be enrolled in eStatements/eNotifications

Avoiding Fees

This account has no monthly fees to worry about

Our Verdict

Always nice to see a high yield rewards checking account with no direct deposit requirement and a nice big maximum balance. We need to know if it’s a hard or soft pull to open, but you should be able to ask that before opening the account in branch. If anybody has any experience with this account, please share your experiences in the comments below.

Hat tip to DepositAccounts


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Dave P
Dave P

To save others a click, I’ll point out that their branches are located in Traverse City and the Charlevoix/Petoskey area. Nothing anywhere near Metro Detroit, they are strictly “up north” along the Lake Michigan coastline.


You wont be saving much if u end up travelling back and forth to their branch locations


They have mobile check deposits, plus direct deposits count as part of the $500 deposit, so there’s no reason to travel after you have the account open. I don’t have the account so I don’t know for sure, but you should be able to do everything you need to do online as far as meeting the monthly requirements.


I wish I could do this, but I live in NJ. A free $51 a month on a $15,000 account is pretty good. If you get fast food/coffee with the required debit card transactions that means the interest pretty much pays for them.


So, my understanding is that you need to continue making a $500 deposit, logging in to mobile banking at least once, and making 15 purchases with the debit/credit card EACH month in order to qualify for the dividend that month. Am I correct?


Just a red flag warning on this one…I live in Traverse City and this CU has been on my never-use list for some time. There are complaints about them which you can see on line, but beyond that they seem to be suing everyone who ever crosses their path. I know this because I was looking through court cases in the local district court and just accidentally came across page after page of lawsuits from this CU, most for small amounts. The online system isn’t very detailed, but we have a lot of financial institutions in the area and this is the only one with numerous lawsuits against numerous people. It’s not a heavily populated area, so it seems really fishy to me like something weird is going on there so it’s something I would just steer clear of no matter how high their interest rate is.

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