Fox Rewards Suite

You want to spend and save with confidence.

Bundle your rewards with Fox’s ultimate money trio—starting with Fox Rewards Checking.

Start making money with Fox Rewards Checking

Earn 5.00% APY on balances up to $5,000—no monthly fees, no minimums and early paycheck access when you set up direct deposit.

Get started with Fox Rewards Checking.

Add a Fox Rewards Savings to earn even more

With checking in place, unlock a Rewards Savings account earning 2.00% APY—a great way to grow your emergency fund or savings goals.

Add Fox Rewards Savings.

Unlock the Fox Rewards Money Market

Eligible members can earn 3.50% APY on balances over $15,000 for ultimate savings—perfect for building wealth while keeping your funds accessible.

Earn more with a Fox Rewards Money Market.

Which account does what?

Feature Rewards Checking Rewards Savings Rewards Money Market
Earnings 5.00% APY on balances up to $5,000 2.00% APY 3.50% APY on balances over $15,000
Recommended Balance No minimums! No minimums! $15,000 for best rate
Monthly Fees Nope None Zilch

Three accounts. One smart money move.

Bundle checking, savings, and money market for maximum impact and no limit to how much you can earn.

Go all-in with the Fox Rewards Suite and get our best rates, seamless access, a wide array of member-friendly rewards and a team ready to help you. Now that idea is right on the money.

  • Fox Rewards Checking unlocks your eligibility for Fox Rewards Savings and Fox Rewards Money Market
  • Each account offers competitive APY earnings with no monthly fees
  • With the full Fox Rewards Suite, you can earn on average $2,000 a year in dividends and savings (based on qualified average balances)
  • Enjoy digital access to all your accounts, early paycheck deposit and no penalties for withdrawals
  • Flexible access to your funds—even with the Fox Rewards Money Market
 diagram of rewards checking savings money market

Let your money work harder—get started today. 

Fox Rewards Checking is the first step
Already have Fox Rewards Checking? Don't stop there! Open a Fox Rewards Savings or Fox Rewards Money Market account next. Or maybe you have a Fox Free Checking account. Contact us and we'll gladly convert it to Fox Rewards Checking. 

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Wisconsin.

Frequently Asked Questions

Yes. If convenience is important to you, please fill out our online application. You’ll need a current proof of identification and a way to add money to your new account.

Your $5 Membership Share account makes you a Fox member-owner. This means you can enjoy all our great benefits and see for yourself what makes The Fox Difference and our partnership so special.

We know that one account doesn’t cover everything you need to get what you want, so there’s no limit to the number of accounts you can have with us.

Team members at any of our locations are happy to help you with the documents you need to add or remove a joint owner from your account. If you find it easier, you can also close your current account and open. This option can make the process smoother and more convenient for you.

Stop by one of our locations or give us a call—whatever works best for you. We’ll help you with the documents to add or remove a beneficiary from your account. For more information, you can also check out our blog post on adding a beneficiary. If you’re not sure who is currently listed as a beneficiary on your account, we’re happy to help. Just stop by or call us.

 

Yes. You can transfer money to other accounts (known as external account transfers) using our app or online banking. Follow the steps in our blog and if you need any help, feel free to contact us.

Most employers typically have a direct deposit form for you to complete in order to deposit your paycheck into your personal account. Check with your HR department, or get in touch with us if you need help.

You will need the following information:

  • Routing #: 275977256
  • 12-digit Account Number – You can find your full 12-digit account number in Digital Banking or simply by contacting us and requesting it.

There are several reasons why a check may have a hold placed. The length of the hold on the check will depend on the type of check you deposit. If you have questions about how long your check will be held, or to inquire about a specific check, please contact a Fox team member or visit one of our many Fox locations.

Are you signed up for paperless statements? If so, that’s why. If not, contact our friendly Fox team and we’ll get it figured out. Monthly statements are typically mailed by the second business day of the month. Mortgage statements are mailed in the middle of the month.

Yes, the National Credit Union Administration (NCUA) insures deposits up to $250,0000. The amount of coverage depends on the ownership and types of accounts you have with Fox. To learn more, please visit Share Insurance FAQs or Share Insurance Estimator.

Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on a share account based on the interest rate and the frequency of compounding for a year.
Annual Percentage Rate (APR) is the cost of credit on a annual basis you’ll pay when borrowing money, expressed as a percentage.

Mobile Check Deposit is the ability to deposit your check into your Fox checking or savings accounts using your smartphone or tablet with the Fox Mobile App. If you don’t have our Fox mobile app, you can download it from Apple Store or Google Play store.

  1. Log into the Fox app from your smartphone or tablet
  2. Select “Deposit Check”
  3. Select “Deposit Account”
  4. Enter amount listed on check
  5. Endorse the back of check “For Mobile Deposit at FCCU” followed by your signature
  6. Snap a photo of front and back of check
  7. Select “Submit Deposit”

*Reminder: To use this service, you’ll need to be enrolled in Fox Communities Credit Union Digital Banking.

 

Yes, you will receive an email notification when your deposit is received and when it’s either approved or rejected.

Deposits received
Lets you know we have received your deposit, but the funds are not yet available for use, as the deposit is awaiting review/approval.

Deposit approved
Lets you know we have approved your deposit and it will be credited to your account during the next available deposit posting time.

Rejected deposit
Notifies you the deposit cannot be processed and the reason why. The funds will not be available in your account. You may view an image of the check under your Digital Banking activity details.

Deposits submitted after 3 p.m. CST, Monday-Friday, may not be deposited until the following business day. Any deposits submitted on a weekend or federal holiday will be processed on the following business day.

Generally, funds will be available for withdrawal by the second business day after the day of deposit. However, longer delays may apply. For additional information see Fox Communities Credit Union funds availability policy.

Yes, your Mobile Check Deposit may be rejected due to several reasons, including:           

  • You’re over the daily mobile check deposit limit
  • Blurry Image
  • Missing Signature on front of check
  • Improper endorsement on the back of the check
  • Unable to read MICR (magnetic ink character recognition) line
  • Third-party check

 

Your new card will be mailed to you before your old card expires. If you don’t receive it, please contact our friendly Fox team. Your card is good through the last day of the expiring month.

Most Fox locations offer instant issue debit cards. If your branch doesn't, your debit card will arrive in the mail within 3-7 business days of opening your account.
If you did not request a debit card when you opened your checking account and want one, please stop by any one of our Fox locations or call our friendly Fox team.

 

Our routing number is 275977256. You may also find this number in the bottom left corner of your checks. You’ll also need your 12-digit account number if you want to deposit money into your Fox account, which you can find in Digital Banking or simply by contacting us and requesting it.

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APY=Annual Percentage Yield is accurate as of 6/10/2024. Rates may change at any time as determined by Fox's Board of Directors.

1

When the Fox Rewards Checking account daily balance up to and including $5,000.00 earns a dividend rate of 4.89%, resulting in an APY of 5.00%; and daily balances over $5,000 earn a rate of 0.50% APY on the portion of the daily balance over $5,000.00 resulting in a range from 0.50% to 5.00% APY, depending on the account daily balance and meeting the monthly qualifications. When qualifications are not met, the rate earned on the entire daily balance in the account will be 0.01% APY, and domestic ATM fee refunds will not apply. Dividends are calculated and accrued daily based on the Fox Rewards Checking balance tier and Monthly Qualification requirements met. Monthly Qualification Cycle requirements are: (a) make 15 Fox Communities Credit Union (Fox) debit/credit card qualifying purchase transactions that post and settle during each Monthly Qualification Cycle, restrictions apply; (b) have a $500 or more direct deposit or automatic payment during each Monthly Qualification Cycle; (c) enroll in Online Banking and elect to receive eStatements with a valid email address. Limit of one Fox Rewards Checking account per a tax reported owner. Rates are subject to change at any time. Fees may reduce earnings on account.

The monthly qualification cycle begins on the last business day of the previous month and ends one (1) day prior to the last business day of the current month. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.

To qualify for products and services, you must meet membership eligibility requirements. Upon approval establish membership by opening a Membership Share Account with a minimum $5 deposit.

2

Domestic ATM fees incurred during each monthly statement cycle will be reimbursed up to a total of $15.00 if qualifications are met within the Monthly Qualification Cycle. Domestic ATM fees incurred will be posted to your account on the last day of the current month’s statement cycle.

3

Fox will post payroll direct deposits on the day they are received, which may be up to two business days earlier than the scheduled posting date. Other exceptions may apply.

4

Fox Rewards Money Market Account is a tiered variable rate account, requiring an average daily balance of $15,000.00 or more during each dividend period. Dividends are calculated and accrued daily based on the Fox Rewards Money Market balance tier and monthly qualification requirements met. Monthly qualification requirements are: (a) consent and receive your statements electronically; (b) have a valid email address on file with Fox; (c) have a Fox Rewards Checking account with the same Ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking. For months in which the monthly qualification requirements are not met, earnings are reduced. Contact a Fox team member for additional information or or refer to your Agreements and Disclosures. For current rates see our Rates webpage. 

5

Fox Rewards Savings, a variable rate account, with no minimum balance requirements. Dividends are calculated and accrued daily, based on balance and monthly qualification requirements met. To qualify for a higher dividend and annual percentage yield (APY) during the dividend period, you must: (a) consent and receive your statements electronically; (b) have a valid email address on file with Fox; (c) have a Fox Rewards Checking account with the same Ownership type as this account; and (d) meet all monthly earning requirements for Fox Rewards Checking. For months in which the monthly qualification requirements are not met, earnings are reduced. For current rates, see our Rates webpage. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your Agreement and Disclosures, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.