EXCITING NEWS!
Alpine Credit Union is introducing two new Spending Accounts designed to make everyday banking easier and more rewarding:
A+ Spending and Loop Cashback Spending
Effective January 5, 2026, all Minimum Balance and Performance Checking accounts will automatically convert to the A+ Spending Account.
A+ Spending
All you need, + a little extra.
Say goodbye to monthly service fees and account hassles.
The A+ Spending Account gives you everything you need in a modern spending (checking) account—without the fine print or hidden costs.
A+ Account Features
- No Minimum Balance
- No Monthly Service Fee
- Debit Card
- Mobile Deposit
- Courtesy Pay Protection
- Digital Wallet
- Card Control
- Bill Pay
- Early Pay Day
- Fee-Free ATMs
- Online Access & eStatements
Goodbye to the $5 Monthly Service Fee!
It’s still your traditional checking account—just refreshed with a new name and improved features.
No need to do anything, your account will automatically become an A+ Spending Account!
Loop Cashback Spending
Spending That Comes Full Circle
Upgrade your everyday spending and get rewarded every month. With the new Loop Cashback Spending Account, you can earn up to $102 cash back per year.
Loop Cashback Features
- 2% Cash Back
- 0.25% Installment Loan Rate Discount
- No Minimum Balance
- Debit Card
- Mobile Deposit
- Courtesy Pay Protection
- Digital Wallet
- Card Control
- Bill Pay
- Early Pay Day
- Fee-Free ATMs
- Online Access & eStatements
To Earn Cashback and Maintain a Fee-free Account:
Each month, complete all four qualifications:
- Enrollment in eStatements
- Enrollment in Online Banking with at least one login per month
- A minimum of $500 in direct deposits
- A minimum of 10 debit card purchases of $15 or more (signature or PIN-based)
If any qualification is missed for the month, a $5 service fee will apply, and no cash back will be earned that month.
Contact an Alpine representative to upgrade and start earning cash back by filling out the
Compare the Accounts
| Feature | A+ Spending | Loop Cashback Spending |
|---|---|---|
| Monthly Service Fee | None | $0 when qualified; $5 if not |
| Minimum Balance | None | None |
| Cashback | — | Up to $102 annually |
| Loan Discount | — | 0.25% Installment Loan Rate Discount |
| Card Control | Included | Included |
| Digital Wallet & Mobile Deposit | Included | Included |
| Courtesy Pay Protection | Included | Included |
| Bill Pay | Included | Included |
| Early Pay Day | Included | Included |
| Fee-Free ATMs | Included | Included |
FAQs
Is this still a checking account?
Yes! These are traditional checking accounts with a new name (“Spending”) and upgraded features.
When is my account converting?
January 5, 2026. If you have a Minimum Balance or Performance Checking Account, it will automatically convert to A+ Spending—no action needed.
How do I earn Loop Cashback?
Fill out the Loop Cashback Spending Account Agreement and meet all four monthly qualifications (eStatements, Online Access login, $500+ Direct Deposit, and 10 debit swipes of $15 or more).
What if I don’t meet the qualifications?
You’ll be charged a $5 monthly service fee and won’t earn cash back for that month. Qualifications reset monthly—just meet them next month to start earning again!
Important Details
- Cash back on Loop Cashback Spending is capped at $8.50 p/mo. or up to $102 annually
- Early Pay Day availability depends on payer and transmission timing
- Courtesy Pay Protection eligibility and limits may vary
- Fee-free ATM access available at participating networks; out-of-network fees may apply. ATM transactions are not considered a qualified transaction.
- Some features require enrollment (eStatements, Online Access, Bill Pay)
- Both Signature and PIN-based debit card transactions count as a qualified transaction to earn cash back
Alpine Credit Union — local service, rewarding features, and no-fuss banking made for you.
Visit a Branch
Call or Text: 801-225-0256
Email: service@alpinecu.com
