Earn Cash Back Rewards!
A free spend account for members ages 10-23* who want to avoid fees and earn rewards for using their debit card. Earn Cash Back Rewards by simply making a minimum of ten (10) purchases using your Debit Card each month and earn $0.10 for every transaction!*
- No Minimum Balance, No Monthly Fees
- 30,000+ Surcharge-Free ATMs Nationwide
- Free Online Banking
- Free Debit Card
- Free Mobile app with Free Remote Check Deposit
- Free Altra Pay (instantly send money to friends and family)
- Free unlimited ATM withdrawals at Altra-owned ATMs
- Three Free ATM withdrawals/month at non-Altra ATMs, then $1.50 per transaction (surcharges may apply from ATM owner)
- Free telephone account access & balance inquiries
- Free unlimited phone transfers from Altra Checking
- Free Altra Secure ID Identity Theft protection
Other Account Features
- Online Funds Transfer between Financials
- Cross-account transfers to and from Altra accounts on which you’re a joint owner
*Live Your Life Spend Account is free with electronic statements (eStatements). If you choose to not accept eStatements, a service charge will be applied to receive monthly paper statements (excludes ages 17 & under). Contact Altra for complete details.
APY = Annual Percentage Yield. Qualifying accounts will earn 0.0% APY. Account available for Altra members ages 10-23 only. Receive Cash Back Rewards when you complete a minimum of ten (10) qualified Debit Card purchases ($1.00 minimum purchase per transaction required) per cycle. Check writing is not allowed. Checks presented against the account may be returned unpaid. Debit Card limit may be lowered to $500 upon request. If a new card is issued, a new card limit request is required (if applicable). It may be advisable to keep a smaller balance in the account while the account holder becomes accustomed to using their debit card and monitoring their account balance. eStatements and online banking are encouraged but not required for members over the age of 13 with a valid email address. Members under the age of 13 may receive a paper statement at no charge and should not be provided online banking access. Parents are encouraged to monitor the account under their own personal online banking login. Qualified accounts will receive Cash Back Rewards of $0.10 per transaction after the 10-transaction minimum requirement is completed each cycle. Cash Back Rewards will be deposited into the account on the 1st calendar day of the following qualification cycle. If account requirement is not completed and/or posted in any given cycle, the account will not receive Cash Back Rewards for that cycle. Qualification cycle means the full calendar month beginning on the 1st and up to the last calendar day at 2 pm CST. For tax reporting purposes, Cash Back Rewards may be reported as dividends. Membership eligibility required. One account per member; personal accounts only. Not available to Guardianship, Rep Payee, or UTMA accounts. Joint account holder age 18 or over is required if under age 16. Account will automatically transition to an A+ Checking account at age 24. Contact Altra or visit www.altra.org for complete details. Debit card transactions processed by merchants and received by Altra as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by Altra as Point of Sale (POS) transactions count towards qualifying debit card transactions.
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