Holiday Hours - GreenState offices will be closed on Monday, May 27th in honor of Memorial Day.

RewardsPlus Checking

Monthly Service Fee 5

No minimum balance required

Surcharge Free ATMs

Nationwide network of free CO-OP ATMs

Available Cashback

1% - 5%
On Platinum Rewards
or World Mastercard Purchases

Dividend Reward

2.00%APY 1
On balances up to $19,999.99
Must meet minimum activity requirements

Why settle for Free Checking when you could be earning money with your account? 

Average Checking Balance Annual Dividends Annual Cash Back on Card Purchases 2 Total Earned Annually
$1,000 $20 $600 $620
$2,500 $50 $600 $650
$5,000 $100 $600 $700
$10,000 $200 $600 $800
$15,000 $300 $600 $900
$20,000 $400 $600 $1,000

2 - Calculation uses our member's average monthly spend of $2,000 with average cash back of 2.50% on purchases with a GreenState Platinum Rewards Mastercard. Actual results will vary.

What is RewardsPlus Checking?

RewardsPlus Checking is meant for members who want to earn 1%-5% cashback on transactions by using a rewards credit card, instead of a debit card, for everyday purchases. Your credit card transactions will count towards qualifying for the dividend reward. Don't want to use a credit card? Rewards Checking might be a better account for you.

Will I still get a debit card?

Yes. You will get a debit card for your RewardsPlus checking account that works like a standard debit card and can be used at ATMs. To earn the dividend reward, however, you'll also need a GreenState credit card. You can link an existing GreenState credit card to a RewardsPlus account or we could help you open a new credit card to use with a RewardsPlus account (Subject to credit approval).

How do I qualify for the RewardsPlus reward?

RewardsPlus Checking accounts can earn 2.00% APY on balances up to $19,999.99. To qualify for the reward you'll need to meet the following requirements:

  1. Use your GreenState credit card at least 15 times each month for a minimum of at least $10.00 per transaction. Transactions must post to the card between the first day of the month and the second to last day of the month. Transactions posted on the last day of the month will be applied to the next month's totals.
  2. Set up direct deposit or have at least one ACH transaction for $250 or more each month.

What if I don't qualify in a given month?

That's ok! There's no monthly service fee even if you don't qualify for the dividend reward. You'll still earn 1% - 5% cashback on purchases made with your Platinum Rewards or World Mastercard and you'll still have access to the free tools and services that come with every GreenState checking account.

Who can join?

Membership is open to:

  • Anyone living or working in Iowa, or nearby counties in Illinois, Wisconsin, Nebraska or South Dakota.
    • Illinois counties: Jo Daviess, Carroll, Whiteside, Rock Island, Henry, Mercer, Knox, Henderson, Warren, Hancock, DuPage, Will county North of I-80
    • Wisconsin counties: Crawford, Grant, Lafayette
    • Nebraska counties: Dakota, Thurston, Burt, Washington, Douglas, Sarpy, Cass, Otoe
    • South Dakota counties: Union, Lincoln, Minnehaha, Moody, Brookings
  • University of Iowa students, staff, or alumni.
  • Direct relatives of current GreenState members.

How to join.

If you live or work in Iowa or nearby counties in Illinois, Wisconsin, Nebraska or South Dakota (see full eligibility list), you can become a member by opening a share savings account with a $5 deposit. Members can open a new checking account with an initial deposit of $50. To get started you can apply online, stop by any branch location, or give us a call a (800) 475-6728.

contactless card symbol

Contactless-enabled Mastercard Credit & Debit Cards

New and reissued GreenState credit or debit cards now come with contactless payment technology built in.

What are Contactless Cards? These cards use radio-frequency identification (RFID) technology to allow the user to simply hold the card near the card reader to process the transaction. There is no need to insert or swipe. Just look for the four curved lines on the card reader to see if it accepts the contactless method. When you hold your card to the reader, it securely authenticates your card information. Then the merchant’s point of sale system sends the transaction to the card issuer. The issuer then analyzes the transaction before approving it. The process only takes about 2 seconds.

Use your contactless-enabled card wherever you see the universal contactless payments symbol for a fast, safe & secure checkout. If the store does not have a contactless reader, you can simply use the conventional methods to process the transaction.

Did you know? GreenState debit and credit cards are compatible with popular mobile wallets including Apple Pay, Google Pay & Samsung Pay. Load your GreenState card to a contactless payments enabled smartphone or watch and use your device at checkout anywhere contactless payments are accepted.

 Locate businesses ready to accept Mastercard contactless payments near you.

Free Account Tools & Features

Every GreenState Checking Account comes loaded with free tools and features to help you manage your finances with ease.

24/7 Access to Online Banking

Check balances, transfer funds, customize fraud alerts and more! Online Banking puts all your GreenState accounts and loans at your fingertips.

Mobile app w/Remote Check Deposit 3

Online banking in your pocket! You can choose to sign in with your fingerprint (when available), deposit checks with your phone's camera, and stay on top of your finances on-the-go.

contactless payments icon

Mobile Payments Enabled

GreenState credit and debit cards can be used with your mobile wallet. You can load your card(s) onto your phone and make purchases at participating merchants wherever you see the contactless payment icon. Supported wallets include: Apple Pay, Android Pay, and Samsung Pay.

Free Mastercard Debit Card Loaded with Benefits

GreenState Mastercard Debit Card benefits  include Extended Warranty, Mastercard ID Theft Protection™, Satisfaction Guarantee, Mastercard Global Service and Mastercard Airport Concierge™.  

Online Bill Payer

Schedule instant transfers to pay bills. You can even have a check put in the mail when direct payment options aren't available.

Custom Text Alerts 3

Need to know when you're running low on funds? We can alert you. Want to know when there's any transaction over $100? We can alert you. Want to know when your card is used in a "card not present" transaction? We can alert you then too.

Overdraft Privilege Available

Mistakes happen. We'll let you choose how we should handle them.


This is where I’m at home. GreenState Credit Union has been a part of our family for over 40 years. My husband was fresh home from Vietnam, we moved up here for him to go to school. The credit union was always in the background helping us achieve our goals. From buying that first car to that first mortgage. I don’t know where we would have been had they not been willing to help us, all along the way.

Colleen M.

My husband and I are owner operators, meaning we own a semi and we haul products from point A to point B. If my husband does not run, we don’t get paid. When he was in an accident, the credit union had our back and we went to them and they did not hesitate to get us back on the road. They saw the situation and made us feel important, that we mattered. GreenState is family, I would never go anywhere else.

Susan C.

I’m a neuroscientist studying to get my PhD at the University of Iowa. I discovered GreenState Credit Union when I was looking for a house. The experience at first was scary because I had no clue what I was doing but GreenState really walked me through the process. I feel like I was cinderella and GreenState was my fairy godmother who led me to my prince charming, which happens to be my house. Without GreenState Credit Union, I would be giving up my money and now I get to save my money and put it into my dreams.

Deja N.

GreenState really means family, so they know you personally and they utilized that information to help you make good decision financially. I started a business that allows me to do what I’m passionate about everyday: work with kids and work with basketball. With the career change the first step we did is went to go to meet with the credit union. They’ve helped us through every change that our life has brought us. I feel like we’re ‘Darryl and Shawna’ and not a number, I feel like I’m a person at the credit union.

Darryl M. & Shawna M.

RewardsPlus Checking Frequently Asked Questions


Personal accounts only.


Credit card must be listed under the same account as the RewardsPlus Checking to qualify.


Limit one account per individual. Individuals may choose either a Rewards Checking or RewardsPlus Checking, but are not permitted to have both account types.


Primary account holder must be at least 18 years of age.


$50 initial deposit required.


New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.

1 -

APY is Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rate is subject to change after the account is opened. 2.00% APY paid on balances up to $19,999.99 and 0.05% APY paid on funds exceeding $20,000. Requirements to earn premium yield 1) Fifteen or more GreenState Credit Union credit card purchases with a minimum purchase amount of at least $10.00 must post to the card between the first day of the month and the second to last day of the month. Transactions posted on the last day of the month will be applied to the next month's totals. 2) An ACH/Direct Deposit or ACH withdrawal of at least $250 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances. Any points earned on the credit card will still accrue even if these requirements are not met. May choose between e-Statements (free) or paper statements ($3.50 per month). Fees could reduce earnings.

2 -

Calculation uses our member's average monthly spend of $2,000 with average cash back of 2.50% on purchases with a GreenState Platinum Rewards Mastercard. Actual results will vary.

3 -

GreenState Credit Union does not charge for the mobile app or text alerts, however your cell phone carrier may charge for text and data usage.

4 -

See Rate & Fee Information for GreenState Credit Cards 

5 -

e-Statements are free for all GreenState checking accounts. Members who opt to receive paper statements for their checking account will be charged a paper statement fee of $3.50 per month. Checking accounts are considered dormant after 6 consecutive months with no member initiated transfers or transactions. Dormant checking accounts will be charged a dormant checking fee of $7 per month.