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Better Together: Link Checking & Cultivate Savings

By bundling Link Checking and Cultivate High-Yield Savings, you get bonus checking perks, faster savings, and no monthly or overdraft fees—and that’s just the start.

You Earned 5.00% APY. You're on track to earn 5.00% APY on your balance. Congratulations! You earned a $7 match this month.

Earn checking perks, plus high-interest savings

Experience a powerful banking combo designed to maximize every dollar. Link Digital Checking handles your daily spending with no monthly fees, while Cultivate High-Yield Savings supercharges your savings growth with a premium 5.00% APY2 on your first $999, and up to 3.60% on higher balances with optional bonuses. 

Open Your Accounts See Our Rates

Benefits of bundling Link Checking and Cultivate High-Yield Savings

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Get up to $7/month free with round-up match

We'll round up your card purchases, save the change in your linked savings account, and match what you save (up to $7/month1).

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Watch your savings grow at 5.00% APY

Boost your savings by putting it in a Cultivate High-Yield Savings account, which pays 5.00%2 APY up to your first $999 saved, and up to 3.60% on higher balances with optional bonuses.

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Enjoy your paycheck up to 2 days early

Get your direct-deposit paychecks up to two days early3, and have all your SELCO accounts in one place through digital banking.

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No fees and no minimum balance

Link Checking and Cultivate High-Yield Savings accounts have no monthly fees and no minimum balance requirement. It's your money, keep it that way.

FAQs about Link and Cultivate

Link Checking and Cultivate High-Yield Savings were designed to work together. One of Link's features is round-up savings and matches. Each time you use your SELCO debit card, what you spend is rounded up to the nearest dollar. The difference is swept over to your Cultivate Savings account, where it earns our best rates up to $49,999. 

Pairing Link Checking and Cultivate High-Yield Savings allows you to automate your savings through round-up match, get paid two days early, and manage all your finances in one digital hub without monthly fees.

To earn your round-up match money (up to $7/month) with Linking Checking you need to: 

  1. Inscríbete en los estados de cuenta electrónicos.
  2. Opt in to round-up savings with your Cultivate High-Yield Savings account. 
  3. Deposita al menos $250 a través de depósito directo de nómina o transferencias ACH recurrentes.
  4. Realiza al menos 12 compras con tu tarjeta selco de débito/crédito.

Cultivate High-Yield Savings helps you build your savings quicky with a premium 5.00% APY on your first $999, and up to 3.60% on higher balances with optional bonuses. Learn more about Cultivate balance requirements and bonus rate opportunities.   

No, both Link Checking and Cultivate High-Yield Savings have no monthly fees and no minimum balance requirements.

Sí. Link Checking incluye nuestra protección estándar contra sobregiros (protección contra sobregiro), que cubre sobregiros de:

  • Checks and other transactions made to your checking account, such as ACH transfers.
  • Pagos automáticos recurrentes utilizando tu tarjeta de débito selco.

Y con Link, se eximen las tarifas de pago de cortesía. There are also no fees for overdraft transfers or most non-sufficient funds (NSF) incidents with a linked account. Plus, you get up to $500 in overdraft allowance, just in case.

Tú que calificas puedes obtener aún más protección sin costo adicional al optar por una cobertura ampliada (Pago de cortesía ampliado), que cubre sobregiros de cajeros automáticos y transacciones únicas con la tarjeta de débito SELCO.

Learn more about how overdraft transfers, Courtesy Pay, and Expanded Courtesy Pay work in the Courtesy Pay FAQ and Courtesy Pay Overview.

Ready to open your accounts?

With earlier access to your paycheck, round-up matches that grow your balance, and savings boosted by competitive high interest rates, Link and Cultivate work together to help your money go further.

Open Your Accounts
Access funds fee-free: 7/Eleven, CircleK, Costco Wholesale

Accede a fondos en 30 y en más de 000 cajeros automáticos gratuitos.

Con más de 30,000 cajeros automáticos gratuitos en todo el país, puedes acceder a tus fondos donde sea que estés, sin cargos por transacciones fuera de la red. Y siempre puedes visitar un Costco, 7-Eleven o Circle K para un cajero automático sin costo.

1 Earn the Round-Up Savings match each month by depositing at least $250 total through payroll direct deposits or recurring ACH transfers from another source and making at least 12 purchases with your SELCO debit or credit card. El encuentro se proporcionará el primer día del mes siguiente. El rendimiento porcentual anual de Cultivate se basa en el saldo diario. Ver: SELCO ahorros tasa y programa de tarifas. Las tarifas pueden reducir los ingresos.

2 Check our Savings Rate and Fee Schedule for current rates.

3 Early Deposit Access is dependent on the timing of the payor’s ACH instructions. Early access ACH deposits are provisional credits and may be reversed if final payment is not received.