Link + Cultivate Duo
Checking Rewards
Get round-up matches, free financial consultations, early deposit access, eStatements, convenient digital banking, and more.
Faster Savings
We'll round up your card purchases, save the change in your savings account, then match what you save (up to $7/month).
No Monthly or Overdraft Fees
No monthly, overdraft transfer, out-of-network ATM, or nonsufficient funds fees. Plus, you have access to up to $500 in overdraft allowance, just in case.
The banking Duo that pays you back
Early access to your money
Get early access to your direct-deposit paychecks, and have all your SELCO accounts in one place through digital banking.
Sending money is quick
Use your everyday digital spending account for debit card purchases, bill payments, Venmo, Paypal, and subscription services like Netflix.
Round-up savings match
We'll round up your card purchases, save the change in your linked savings account, and match what you save (up to $7/month).*
The quicker, simpler way to save
Boost your round-up savings by putting it in your Cultivate Savings account, which pays 5% APY on the first $500 and 3% APY on the next $500.
All-in-one banking app
- Mobile wallets and deposits give you faster, safer, simpler access to your funds.
- Easily transfer money to friends and family, or set up recurring payments.
- Create savings goals, track your spending, and see your credit score in real-time.
- Fight fraud and secure your account with built-in card controls.
*Earn the match by depositing at least $250 total through payroll direct deposits or recurring ACH transfers from another source, and making at least 12 purchases with your SELCO debit or credit card.