Last Updated: 01/21/2026
Bayer Heritage FCU Checking+ Rewards Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
1.0%
APY (Annual Percentage Yield)
0.00%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Bayer Heritage FCU Checking+ Rewards Account Review
The Bayer Heritage FCU Checking+ Rewards Account is offered by Bayer Heritage Federal Credit Union, a credit union founded in 1957 and based in New Martinsville, WV. Bayer Heritage FCU Checking+ Rewards Account is available in 50 states and Washington, DC.
Key Takeaways
- You get up to $10 each month when you complete the above criteria! You’ll also get ATM fees refunded each month too; up to $15 a month. Once you meet the eligibility requirements, you can enjoy the benefits of the account's reward system, which includes earning 1% on transactions up to a maximum of $10.00* per month and earning ATM rewards (refunds) up to $15.00 per month. All rewards are given in cash back. (*1% of $1,000 in monthly transactions = $10 per month) *Membership eligibility and $5 membership share deposit required.
- 1.0% cash back. Bayer Heritage FCU Checking+ Rewards Account offers rewards on purchases (see terms and conditions for full details).
- 0% APY. As with most checking accounts, Bayer Heritage FCU Checking+ Rewards Account does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Bayer Heritage FCU Checking+ Rewards Account does not charge fees on ATM transactions .
Bayer Heritage FCU Checking+ Rewards Account Pros & Cons
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Bayer Heritage FCU Checking+ Rewards Account FAQ
Are checking accounts from Bayer Heritage Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Bayer Heritage FCU Checking+ Rewards Account offer?
Bayer Heritage FCU Checking+ Rewards Account is not an interest-bearing account.
What are the account minimums for Bayer Heritage FCU Checking+ Rewards Account?
Bayer Heritage FCU Checking+ Rewards Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Bayer Heritage FCU Checking+ Rewards Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $5.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bayer Heritage FCU Checking+ Rewards Account charge overdraft fees?
Yes, Bayer Heritage FCU Checking+ Rewards Account charges a $29.00 fee for every overdraft.What features and perks does Bayer Heritage FCU Checking+ Rewards Account offer?
This account includes the following features:
- You get up to $10 each month when you complete the above criteria! You’ll also get ATM fees refunded each month too; up to $15 a month. Once you meet the eligibility requirements, you can enjoy the benefits of the account's reward system, which includes earning 1% on transactions up to a maximum of $10.00* per month and earning ATM rewards (refunds) up to $15.00 per month. All rewards are given in cash back. (*1% of $1,000 in monthly transactions = $10 per month) *Membership eligibility and $5 membership share deposit required.
- Mobile Banking Services - Bayer Heritage FCU Checking+ Rewards Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
What is the customer support email for Bayer Heritage FCU Checking+ Rewards Account?
The customer support email for Bayer Heritage FCU Checking+ Rewards Account is facebook@bayerhfcu.com.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 4:30PM
Saturday
Closed