Digital Spend Accounts

Opening your free account online is quick and easy! Simply click on the link provided, follow the steps, and your new account will be ready in no time.

You can use your digital wallet at various locations, including:

• Travel and transportation (e.g., Airbnb^®, Uber^®)
• Food and drink (e.g., Starbucks^®, Chipotle^®)
• Stores (e.g., Target^®, Home Depot^®)
• Online services and more!  The examples above are not a comprehensive list. Use your digital wallet anywhere you see the contactless payment symbol or select as a payment option online.

This answer is twofold. First, your card within the digital wallet uses what is called “tokenization”. Simplified, tokenization basically assigns a randomly generated card number with every purchase made. Your card number is not stored on your phone or with any given merchant. Need more info on tokenization? Read more here.

Second, when you are in person making a purchase using your smartphone, no payment will go through without your consent. Once you hold your device to the payment terminal, it requires some kind of tap or press on your part PLUS either face ID or a passcode entered to “verify” the purchase. Just walking past a register will not cause a payment to be made, which ensures you are aware of all spending.

No. Digital currency refers to assets like crypto or bitcoin. Digital wallets are simply digital versions of your existing debit or credit card.

No, whatever member number is associated with your Digital Spend Account must be where your increased certificate dividend rate or discounts are applied.

The monthly dividend rate earned on the Digital Spend Account will be based on whether the account met the four monthly requirements or not, excluding the previous month’s statement activity. For example: Dividends paid on September 1st, for August balances, uses qualification data from July.

• July – qualifications were met in this month.
• August – statement summary shows if member will qualify for higher dividends.
• September – dividends post on the 1st of this statement.

We pull information from multiple sources to gather the necessary details for qualification data on a Digital Spend Account. Due to this, we are not able to send real-time information for our statements in a timely manner.

In order to see which dividends you earned from the qualifications stated on your most recent statement, you will need to log in to digital banking and review your transaction history for your Digital Spend Account. The dividends you see on your current statement were paid on the 1st of the previous month, and do not relate to what is printed above in the Digital Spend Account section.

The first step depends on your membership tenure: We have broken up the loyalty rewards into three (3) tiers, Glacier (1 year), Grand Canyon (5 years), Yellowstone (10+ years). Whichever tier you fall into will be listed on your statement. THIS DOES NOT MEAN YOU QUALIFY FOR THAT TIER. Each tier has a specific loan discount or increased certificate dividend rate that you will receive on the next product you open/apply for. The loan discount only applies to Vehicle Loans, Signature Loans, and Debt Consolidation loans.

The second step of loyalty rewards is to meet the initial qualifiers:

In order to receive these benefits, you must “qualify for two out of the last 3 months, excluding the previous month.” The qualifiers are based on activity history. Here is what we mean:

Follow the below instructions to see if you’re meeting the minimum monthly qualifications for the best dividend rate.

1. 12+ debit/credit card transactions: Check your debit/credit card history in digital banking
2. $1000+ Direct Deposit: Set up Direct Deposit under Secure Forms in online banking
3. 1+ login to digital banking: Download our mobile app to login at any time
4. 2+ digital wallet transactions: Track your transactions in the digital wallet app you use

Please contact the Credit Union through digital banking or call us at 800.914.8619 to verify with a member service representative which tier (if any) that you qualify for.

Yes, as long as the total amount of your loan is over $10,000. If you are paying off an Interior Federal loan in addition to the $10,000 minimum balance, the new loan must be at least $1,000 over the balance of the current loan.

You will not lose the loan discount if you finalize and book a loan with it. If you qualify for the discount at the time of booking, you will keep the discount for the life of the loan.

The loan will remain at the same rate as when you booked, and will not change with your membership tier. The NEXT loan you book or certificate opened will have the higher loan discount or increased certificate dividend rate of your new membership tier.

While we have discontinued the Nickel Back Program, we are now giving you SO. MUCH. MORE. Even if you aren’t a member for 1 year yet, you can still earn 3.01% Annual Percentage Yield in dividends on balances less than $10,000. This is a better offering than a nickel for every signature-based transaction. PLUS, once you qualify for loyalty rewards you also get a loan discount or an increased certificate dividend rate.

This account really is the best of both worlds. Higher dividends than our legacy checking accounts, and loyalty rewards based on your member tenure.

Once your account conversion is complete, you will need to reschedule your transfers using the Digital Spend Account.

The below list is not comprehensive. Use your digital wallet anywhere you see the contactless payment symbol or select as a payment option online.

No, if you are entering your card number straight into the app, it’s not going to count that as a digital wallet transaction. If you would like to use your digital wallet to pay within an app, when you check out in the [Uber] app, you have to select the option to pay via Digital Wallet (i.e. Apple Pay, Samsung Pay, or Google Pay).

If your phone is not compatible with “Tap to pay” or you do not have a smartphone, there are alternatives to using your digital wallet. You can upload your Interior Federal debit or credit card to an ONLINE digital wallet. It can be accessed online to make purchases from your computer wherever digital wallet payments are accepted. Once your information is saved to Apple Pay or Google Wallet*, you will be able to select that as your payment option at checkout instead of having to enter your card information each time you make a purchase.

*Apple Pay and Google Wallet are available from a desktop, Samsung Pay is not available via desktop, and Garmin Pay is only available via smartwatch.

Any purchase made in person, online, or through a vendor will count toward the 12 qualifying transactions.

It’s important to note that ATM transactions (cash withdrawals or deposits) and balance transfers are excluded from the qualifying transactions.