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Link + Cultivate Duo

By pairing our Link Digital Checking and Cultivate High-Yield Savings accounts, you get bonus checking rewards, faster savings, and no monthly or overdraft fees—and that’s just the start.

Open Your Duo See Rates
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Checking Rewards

Get round-up matches, free financial consultations, early deposit access, eStatements, convenient digital banking, and more.

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Faster Savings

Automatically rolls your card purchase round-ups and matches into Cultivate Savings. Earn higher yields on your first $1,000 and build your savings fast.

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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

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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 High-Yield Savings account, which pays 5% APY up to your first $1,000 saved, and up to 4% on higher balances with optional bonuses.

Get started online

Select "Get Started" below. Then, under Required Products, click the plus (+) symbol next to Link and Cultivate. New members will need to add a Membership Savings account (this is your credit union membership).

  • Link comes with free Overdraft Protection and Expanded Courtesy Pay. You’ll need to opt in by selecting “Yes” to both. (Learn more about how overdraft transfers, Courtesy Pay, and Expanded Courtesy Pay work.)
  • Opt in to Round Up Savings.
  • Enroll in eStatements (required). You’ll find it in the last set of questions before you sign and submit your application.

Once your accounts are ready, send us a secure message to let us know you want to switch your round up from Membership Savings to Cultivate. We’ll handle the rest.

Ready to get rewarded?

Earlier access to your money, round-up matches, and boosted savings are only a click away.

Open Your Duo

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.