Checking with Perks and Savings

Checking

Save big on the things you’re already paying for today. NASA Federal Checking with Smart Perks offers a galaxy of money savings and peace-of-mind personal protection benefits, all in the palm of your hand. Start saving smarter with us today.

Which Checking account is right for you?

Here’s a comparison of the Smart Perks offered in each account so you can decide which one is right for you.

Smart Perks	Elite Checking	Premium Checking	Everyday Checking
Debit Rewards⁸ Earn cash rewards on everyday debit card purchases
Early Payroll Posting Access to your direct deposit up to 2 days early
Surcharge-Free ATM Network and Nationwide Branch Access Access to 36,000 surcharge free ATMs & 5,000 branch locations
ID Theft Aid²³⁴ Unlimited access to specialist for identify theft restoration assistance	Up to $5,000	Up to $2,500
Credit & Identity Monitoring Access to your credit score and report - plus monitoring & alerts
Cell Phone Protection²³ Coverage for damaged or stolen phone	$1,000/Claim $2,000/Year	$600/Claim $1,200/Year
Shopping Deals Discount savings at thousands of merchants
Roadside Assistance Available 24/7, covers up to $80 in service charges
Fuel Discounts⁵ Earn 10 cents or more off per gallon
Health Savings Card Save money on prescriptions, eye exams, and hearing services
Buyer's Protection/Extended Warranty²³ Protect your purchases if theft or damage occurs within the first 180 days of purchase
NSF Fee Waivers 1 per month
Billshark⁴ Lower your monthly bills and cancel unwanted subscriptions
Earns Dividends⁶ Earn competitive dividends on account balances
Monthly Fee	$10 per month	$7 per month	$8 per month
How to Avoid Monthly Fee	N/A	N/A	$0 with monthly $500 direct deposit or $200 average daily balance
Potential Savings⁷	$924 per year	$524 per year	N/A

NASA FCU Smart Perks

Download NASA FCU Smart Perks app today and get access to additional benefits and rewards.

*Must be enrolled in Premium or Elite accounts.

Out of This World Perks

Billshark

ID Theft Aid

Fuel Savings

Buyer's Protection

Roadside Assistance

Credit and ID Monitoring

Cell Phone Protection

Local Deals

Health Savings

FAQs

What makes these checking accounts better than the rest?

With our Premium and Elite checking accounts, you're eligible for special money-saving and peace-of-mind protection benefits powered by BaZing. Our checking lineup gives you access to products and services you may already be paying for, at a fraction of the cost.

How do I earn and redeem BaZing Fuel Rewards?

To begin earning fuel rewards, link your NASA Federal checking account or credit card using the Smart Perks app. Then swipe your debit card or credit card 15 times each month to earn fuel savings. You can save a minimum of 10 cents per gallon up to 20 gallons at participating Shell stations.

To redeem your fuel rewards:

- Choose Fuel Rewards (FR) from the pump
- Chose Alt ID
- Enter your Rewards Alt ID shown with the BaZing Fuel section of the Smart Perks app

Who do I contact if I have a problem using the BaZing app or accessing my benefits?

For questions or issues with using your BaZing benefits or the NASA FCU Smart Perks app, you can contact BaZing Customer Service directly by email at Customer.Service@bazing.com or by phone at 855-UBAZING (855-822-9464). BaZing Customer Service is available Monday through Friday from 8:00 a.m. - 5:00 p.m. CT.

I received a letter about my account changing. What does it mean?

We have updated our checking account options to better serve our members. On August 15, 2024, all previously established checking accounts will convert to one of our new accounts. Your new account may now come with additional money-saving or peace-of-mind protection benefits offered through BaZing.

Don’t have a NASA Federal Checking Account?

Open a NASA Federal Smart Checking account today!

1 Cash back will accumulate throughout the calendar year. On the last day of each calendar year (December 31), we will automatically redeem each positive signature transaction for $.05 and each positive PIN transaction for $.02, subject to a total annual redemption amount limit per member of $250, and deposit this amount into a Prime Share Savings Account linked to the Checking Account. Cash back will not be redeemed if the Checking Account is closed, any loan is delinquent or charged-off, or any Account has been expelled from membership at NASA Federal Credit Union. ATM transactions are not qualifying transactions. See Debit Card Cash Back Terms and Conditions for more information.

2 Subject to the terms and conditions detailed in the Guide to Benefits:

3 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

4 Billshark, identity, and credit monitoring require additional activation to begin.

5 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit or credit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.

6 To view current dividend rates, visit Checking Rates.

7 Potential savings can vary. See details in Elite Checking and Premium Checking.

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Checking with Perks and Savings

Which Checking account is right for you?