Pink piggy-bank sitting in green grass surrounded by dandelions and fleabane.

With this incredible account, you keep more money in your pocket every month. Open a BONUS Saver account, the free sidekick account to BONUS Spending that helps you save effortlessly with automatic transfers from your BONUS Spending dividends and nationwide ATM refunds*.

There are no additional qualifications or hoops to jump. Just do the very same things you do to earn your BONUS Spending rewards each monthly qualification cycle and you’ll also earn a higher rate on what you save, so you can build that nest egg even faster!


  • Automatic transfers of BONUS Spending dividends and nationwide ATM refunds*
  • 0.99% APY* on balances up to $10,000
  • 0.99% to 0.25% APY on balances over $10,000 depending on balance in account*
  • 0.05% APY* if monthly qualifications are not met
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • Free debit MasterCard®
  • Unlimited use of Bay Area Credit Union ATMs
  • Access to surcharge-free ATM Network
  • Share Insurance Estimator


There are no extra qualifications to receive automatic transfers from your BONUS Spending account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

That’s it! And even if you don’t qualify, there’s still no monthly service fee and you still earn interest at the base rate. Plus, you can get back to earning the huge rewards the very next monthly qualification cycle!

*APY=Annual Percentage Yield. APYs accurate as of 1/1/2024. Rates may change after account is opened. Monthly direct deposit required to have this account. For BONUS Spending, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2%; and (3) balances over $10,000 earn 0.25% dividends rate on the portion of the balance over $10,000, resulting in 2.00% – 0.41% APY depending on the balance. If qualifications are not met on BONUS Spending all balances earn 0.05% APY. Qualifying transactions must post to and settle BONUS Spending account during monthly qualification cycle. Transactions may take one or more banking days from the 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. The advertised BONUS Spending APY is based on compounding dividends. Dividends earned in BONUS Spending are automatically transferred to BONUS Saver each statement cycle and does not compound. Actual dividends amount paid may be less than advertised BONUS Spending APY. The BONUS Saver APYs may be less than BONUS Spending APYs. If qualifications in BONUS Spending are met each monthly qualification cycle: (1) balances up to $10,000 in BONUS Saver receive an APY of 1%; and (2) balances over $10,000 in BONUS Saver earn 0.25% dividends rate on portion of balance over $10,000, resulting in 1.00% – 0.32% APY depending on the balance. If qualifications are not met on BONUS Spending, all balances in BONUS Saver earn 0.05% APY. Monthly direct deposit required to have this account. Limit one account per SSN.