Benefits Checking Account

Score big with a Benefits Checking Account!

Earn up to $350,¹ plus dividends on your checking balance, loan discounts and other great free incentives!

Earn more with a Benefits Checking Account

Benefits checking features

When you open a Benefits Checking Account with Addition Financial, take advantage of perks like dividends² on balances of $1,000+ and rate discounts on mortgages and personal loans.³ Plus, enjoy the benefits of our savings incentive program! It's no surprise named the Benefits Checking Account this year's best account for rewards in the state of Florida.

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How to qualify for this offer

Earn up to $350¹ by maintaining an average daily balance per month for 6 months:

$5,000-$9,999: Receive $150
$10,000-$14,999: Receive $250
$15,000+: Receive $350

The money on deposit does NOT need to be new money. Member will receive full incentive after 6 months. Member will forfeit incentive payout if they do not meet the Benefits Checking account requirements to receive a monthly service fee.

Looking for something different?

Whether you're looking for free ATM access, dividend earnings, or competitive loan rates, we have a portfolio of checking accounts for your specific needs.

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Ready to apply now?


You can start the application process for a checking account when you apply online. 


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Ready to apply...after a few questions?

We have a team of experts available to answer any questions and help you complete the application process over the phone. All you need to do is select a time that works best for you and we’ll follow-up with more information.


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You’re also welcome to book an appointment at your local branch to meet with a relationship advisor and complete a checking account application in person.


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¹The new account promotion is not available to existing Addition Financial Credit Union (“Credit Union”) members who have a current checking account (as primary or joint) or to those whose Credit Union accounts have been closed within the past year (365 days) or were previously closed with a negative balance. To receive the promotional payment, a new member must: a) be over the age of 18 (eighteen); AND b) meet Credit Union membership eligibility requirements (; c) be a primary resident of Florida, d) open new Benefits Checking account (“Account”) and keep the Account active for at least six (6) months; and e) complete the activity associated with the desired promotional payments listed above each month for six (6) months after opening the Account (collectively, The “Promotion Requirements”). To be eligible for the promotion, the new Account must not be closed, restricted or have received a monthly service fee at the time of payout. The appropriate promotional payment will be deposited into your new account six (6) months after the account open date. This promotion begins on March 3, 2023 and ends December 31, 2023.

²Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors. Please view for current rates.

Compounding and crediting - Dividends will be compounded every day. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements: There is no minimum balance required to open this account.  However, you must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield. 

Other Account Requirements: To avoid a monthly fee you must have a minimum amount of direct deposit(s) or debit card transactions each month.  Please see the Fee Schedule for current fees that may apply to this account.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section.

³A loan discount cannot be applied to credit cards or PLOC. Consumer loan rate discount applies to newly funded vehicle loan or new signature loan origination only. Rate discount terms and conditions are subject to change. The mortgage rate discount requires Premier Credit Card, and active consumer loan. Applies to new real estate loan origination only. Mortgage discount does not apply to variable rate products. Rate discount terms and conditions are subject to change.