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Rewards Checking

Rewards Checking

Get monthly rewards in your checking account — the cash kind — with free Rewards Checking. Enjoy high rates for banking basics you're probably already doing, plus reimbursements of your domestic ATM fees!


All on top of several conveniences, like online banking and mobile banking, and no monthly service fee. Do more for your money every month by simply signing up today.



Summary
  • Free checking that pays high interest
  • 1.51% APY[1] on daily balances up to $20,000
  • 1.51% APY[1] to 0.20% APY[1] on balances over $20,000 (depending on the balance in the account)
  • 0.03% APY[1] when qualifications are not met
  • Reimbursements of your domestic ATM fees (up to $20 per month)[2]
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Free debit card
  • Surcharge-free ATM access
  • $100 minimum deposit to open
Qualifications

To qualify for Rewards Checking rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly statement cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH debit or credit post and settle
  • Be enrolled and receive eStatements

Transactions MUST post and settle to your account during the monthly statement cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account.

Limit of one Rewards Checking account per social security number.

You will automatically qualify for the Preferred Rate and the ATM fee reimbursements for the first statement cycle after account opening.

[1] Annual Percentage Yields effective 6/1/2018 and are subject to change. APY stands for Annual Percentage Yield. When the Rewards Checking qualifications are not met, the interest rate on your account will be 0.03% and the APY will be 0.03%. When the Rewards Checking qualifications are met, the interest rate on your account and corresponding APY will be tiered. If your daily balance is $20,000 or less, the interest rate paid on the entire balance will be 1.50% with an APY of 1.51%. An interest rate of 0.20% will be paid only for that portion of your daily balance that is greater than $20,000.00. The APY for this tier will range from 1.51% to 0.20%, depending on the balance in the account. At our discretion, we may change the interest rate on your account. Interest will be compounded on a monthly basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

[2]ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM fees of $5.00 or less will be reimbursed up to a maximum of $5.00 per individual transaction. ATM fees of $5.01 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.