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London
WC2N 5DN, UK
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Ready to Unlock
the benefits of
Momentum Checking?

Open Your Account Today

What You’ll
Need

  • Valid ID: A government-issued photo ID (driver’s license, state ID, or passport)

  • Social Security Number: For identity verification

  • Contact Information: Current address, phone number, and email

  • Initial Deposit: Use a debit card, credit card, or bank account for your first deposit

What You’ll
Get

  • 6% Annual Percentage YIELD*  on your balance

  • Fast online account opening in minutes

  • Rewards for healthy saving and spending habits

  • Easy digital banking with mobile access and account alerts

  • And more benefits designed for everyday banking!

A Checking Account That Keeps Your
Momentum Going

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6% APY*

Interest is paid based on account balance. Balance tiers and their interest rates:

Tier 1: $0–$9,999.99 = 6% APY*

Tier 2: $10,000–$49,999.99 = 3% APY*

Tier 3: $50,000 and up = no interest paid

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Purchase = Points

Earn 1 UChoose reward point for every $2 spent on your Momentum Checking debit card. Redeem your points through your UChoose Rewards account for travel, gift cards, merchandise and more!

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UChoose Rewards

Browse the UChoose Rewards catalog once you’ve earned your first 1,000 points. You can also find participating retailers to shop from and earn even more rewards – with your savvy financial tendencies, it’ll be a breeze.

Your Classic
High-Yield
Checking Account

Momentum Checking pairs all the perks listed above with the tried-and-true features of a classic checking account, including direct deposit, overdraft protection, unlimited check writing, and:
  • Free Bill Pay
  • Free Online Banking
  • Free Mobile App with Smart Deposit
  • Free Mobile and Text Banking
  • Free E-statements and E-notices
  • Free Credit Score Monitoring and Alerts
  • Free Access to Our Money Management Personal Finance App
Apply Now

*APY – Annual Percentage Yield effective 01/01/26. Rates may change after account open. Dividends are compounded monthly. $25.00 minimum balance to open Momentum Checking account. APY earned based on the following tiers and requirements: 6.00% APY earned on balances from $0 to 9,999.99; 3.00% APY earned on balances from $10,000.00 to $49,999.99; 0.00% APY earned on balances over $50,000.00; Momentum Share Draft Accounts must meet the following account qualifications to earn the qualifying dividend rate and APY: Fifteen (15) Non-ATM debit transactions per qualification period. No dividends will be paid if all requirements are not met. Qualification period means a period of thirty-one (31) days preceding the 27th of each month. Fees could reduce the earnings on the account. Membership conditions may apply.