Ride The Tide to More Cash Back
with Our High Tide Checking
Earn More, Get More, & Live More With Perks That Deliver
TIER 3
4% APY* & 2% Cashback
15 or more Signature Based Debit or Credit Card transactions
Must have aggregate loan balance > $50,000** OR $250,000 in Aggregate Share balances
Online or mobile banking and eStatements
Max dividend, cash back (cap $20 monthly) rewards and ATM refunds up to $1200 annually; $100 monthly
TIER 2
2% APY* & 1% Cashback
15 or more Signature Based Debit or Credit Card transactions
$5,000 or more in Aggregate Loan balances** OR $100,000 in Aggregate Share balances
Online or mobile banking and eStatements
Max dividend, cash back (cap $15 monthly) rewards, and ATM refunds up to $480 annually; $40 monthly
TIER 1
1% APY* & 1% Cashback
10 or more Signature based Debit or Credit Card transactions
Online or mobile banking and eStatements
Max dividends, cash back (cap $15 monthly) and ATM refunds up to $180 annually, $15 monthly
Savings Goals Within Reach:
Discover Our Best Local Rates
Stacked With Benefits
A checking account that is designed to give you everything you need without the unnecessary fees that you don't.
Say hello to the banking experience you deserve.
NEVER PAY FOR
ATM fees (Refunds included in monthly rewards)
Monthly service fees
CHECKING MADE SIMPLE
Online Banking w/ eStatements
Mobile Banking & Deposits
Free Billpay
ALWAYS INCLUDED
No minimum balance requirements
Overdraft Protection available
Overdraft Privilege up to $750 (for accounts in good standing)
Visa® debit card
Free first box of checks (certain styles only)
24x7 Express Teller Machines (teller transactions are available 24x7, and live teller assistance is available during regular business hours.)
It's time to upgrade your checking game.
*APR = Annual Percentage Rate **APY = Annual Percentage Yield. Dividends are compounded and paid monthly.
**To qualify for High Tide Checking, the following must be met each month. Tier 1 requires at least 10 signature-based debit or credit card transactions during the month. % APY is on balances up to 10K. Maximum dividend, cash back reward, and ATM refunds are limited to $15 monthly. Tier 2 requires at least 15 signature-based debit or credit card transactions during the month, plus $5,000 or more in loan balances. % APY is on balances up to 20K. Maximum dividend, cash back reward, and ATM refunds are limited to $40 monthly. Tier 3 at least 15 signature-based debit or credit card transactions during the month, plus $50,000 or more in loan balances. % APY is on balances up to 25K. Maximum dividend, cash back reward, and ATM refunds are limited to $100 monthly. High Tide tiered dividends and cash back will be calculated based on your monthly activity and current month loan balances. Pin based debit card transactions are not included towards your debit card usage for the month. If you do not meet the requirements of the account, you will not earn a dividend. For a mortgage loan to qualify, it must be an ARM held in Tidemark FCU's portfolio, and shares must not be in Escrow or currently pledged.
High tide checking
Frequently Asked Questions
Plus, You Get Access to Our Member Premium Benefits
You Become a Member-Owner
We don't exist to enhance the wealth of our shareholders, we are member-owned. As a not-for-profit organization, we use our profits to increase Member benefits and support community causes.
Your Money is Insured & Protected
Instead of being covered under FDIC, your deposits are covered under the National Credit Union Administration (NCUA), which insures deposits up to $250,000, the same amount as the FDIC. It’s a different name but the same function.
