LUV Tunes Checking

LUV Tunes Checking

Do you like music? Do you like buying things? We thought you might. Do you like paying for them? We fixed that for you. This free checking account gives you refunds for downloading your favorite music, movies, and apps!

Earn up to $10 in refunds for iTunes® or Amazon® downloads* each month, as well as refunds on your ATM fees* nationwide — all you have to do is meet some easy qualifications. And even if you don't meet the qualifications, your LUV Tunes Checking is still free!

So go ahead and make that purchase. We've got the bill. We'll even throw in a $20 iTunes or Amazon refund bonus, just for signing up.*

  • Earn up to $10 every month in iTunes® or® downloads*
  • Earn $20 in iTunes or downloads at sign up*
  • Unlimited ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free debit card
  • Free online banking with bill pay
  • Free telephone banking
  • Overdraft protection available
  • Free eStatements
  • $30 minimum deposit to open (no minimum thereafter)
  • NCUA insured


There are two super simple qualifications to receive the downloads and ATM fee refunds. To earn your rewards, simply do the following transactions and activities in your LUV Tunes Checking account each monthly qualification cycle:

  • Be enrolled and receive e-statement notice
  • Have at least 15 debit OR credit card purchases post and settle

Let's face it. These are easier than waking up in the morning. But, just in case you don't meet the qualifications, don't worry — your LUV Tunes Checking account is still free. Best of all, you can saddle up and ride the reward horse again, earning the downloads and ATM fee refunds the following qualification cycle. Yeehah!

    *The minimum to open account is $30. You will be refunded up to $20 for iTunesĀ® and/or Amazon.comĀ® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $10 in refunds of iTunes and/or purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your LUV Tunes Checking account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Fees may reduce earnings.