Value Checking

The dividend rate earned each month is based on net debit card spend. Use this calculator to determine which dividend rate tier you would qualify for in a given month if both columns of expenses were paid with your ITCU High-Yield Checking (HYC) debit card. Any expenses you can move from paper checks, bill pay or electronic debits (aka ACH) will help you reach the maximum dividend rate tier.

(Note: Calculator is for illustration purposes only)

Expense	Paid via Debit Card	Paid by Check/Bill Pay/ACH	Total Spend
Groceries	Amount Paid via Debit Card for Groceries	Amount Paid via Check/Bill Payment for Groceries	Total Spent on Groceries
Dining Out	Amount Paid via Debit Card for Dining Out	Amount Paid via Check/Bill Payment for Dining Out	Total Spent on Dining Out
Utility Bills	Amount Paid via Debit Card for Utility Bills	Amount Paid via Check/Bill Payment for Utility Bills	Total Spent on Utility Bills
Entertainment	Amount Paid via Debit Card for Entertainment	Amount Paid via Check/Bill Payment for Entertainment	Total Spent on Entertainment
Automobile Fuel	Amount Paid via Debit Card for Fuel	Amount Paid via Check/Bill Payment for Fuel	Total Spent on Fuel
Transportation	Amount Paid via Debit Card for Transit	Amount Paid via Check/Bill Payment for Transit	Total Spent on Transit
Cell Phone	Amount Paid via Debit Card for Cell Phone	Amount Paid via Check/Bill Payment for Cell Phone	Total Spent on Cell Phone
Internet/Cable	Amount Paid via Debit Card for Internet/Cable	Amount Paid via Check/Bill Payment for Internet/Cable	Total Spent on Internet/Cable
Car Payment	Amount Paid via Debit Card for Car Payment	Amount Paid via Check/Bill Payment for Car Payment	Total Spent on Car Payment
Insurance	Amount Paid via Debit Card for Insurance	Amount Paid via Check/Bill Payment for Insurance	Total Spent on Insurance
Health Care	Amount Paid via Debit Card for Health Care	Amount Paid via Check/Bill Payment for Health Care	Total Spent on Health Care
Mortgage/Rent	Amount Paid via Debit Card for Mortgage/Rent	Amount Paid via Check/Bill Payment for Mortgage/Rent	Total Spent on Mortgage/Rent
Home Maintenance	Amount Paid via Debit Card for Home Maintenance	Amount Paid via Check/Bill Payment for Home Maintenance	Total Spent on Home Maintenance
Donations	Amount Paid via Debit Card for Donations	Amount Paid via Check/Bill Payment for Donations	Total Spent on Donations
Other	Amount Paid via Debit Card for Other	Amount Paid via Check/Bill Payment for Other	Total Spent on Other
Total	Total Amount Paid via Debit Card	Total Amount Paid via Check/Bill Payment	Total Spent

There are four rate tiers (4 is the highest). If your current net monthly debit card spend does not qualify you for the highest tier, using your debit card in place of other payment methods may move you into a higher tier.

High-Yield Checking (HYC) Monthly Debit Spend Calculator

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