Rewards Checking

With a 2.02% APY* earning potential on a no minimum balance account, Rewards Checking is a true investment. Since we refund ATM fees** incurred by other banks nationwide, you'll never waste your earnings on getting cash. When you meet the monthly qualification requirements, you can take advantage of premium rewards simply by using your account for everyday banking.

Apply online...and then come in to complete the account opening process!

Features

  • No minimum balance requirement

  • Earn 2.02% APY* on balances up to $20,000 when monthly qualifications are met

  • Earn 0.10% APY* on the portion of your balance over $20,000 when monthly qualifications are met

  • Earn 0.05% APY* on the entire balance if monthly qualifications are not met

  • ATM fee refunds** up to $20 per cycle when qualifications are met

  • $50 minimum opening deposit

  • Free digital statements

  • $5 monthly paper statement fee for accounts receiving paper statements

  • Must come in to the bank to complete the account opening process

Here's How Easy It Is to Earn Your Rewards

To qualify for rewards during each Monthly Qualification Cycle, all of the following transactions and activities must post and settle to your Rewards Checking account:

  • At least 12 debit card purchases

  • At least 1 direct deposit, ACH credit, or ACH payment transaction

  • Be enrolled in and agree to receive digital statements (e-statements)

Important Information

Enrollment in digital statements is required to earn Rewards Checking benefits, including premium interest and ATM fee refunds. Accounts receiving paper statements will be charged a $5 monthly paper statement fee and will not qualify for Rewards Checking rewards during that statement cycle.

Open Online
Questions?

*Annual Percentage Yield (APY) accurate as of 11/1/2023. Rate tiers are as follows: 2.02% APY applies to balances of $0.01 ‐ $20,000.00 and 0.10% APY applies to balances over $20,000.00 if qualifications are met each qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 0.10% APY to 2.02% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear during the qualification cycle. The qualification cycle ends on the fourth Wednesday of each month.  All transactions must post and settle by that day to be counted for qualification. Debit card purchase means any PIN or signature based transaction performed at any location other than an ATM. Transactions may take more than three business days to post and settle from the transaction date. Available to personal accounts only. Limit one account per social security number. Minimum of $50.00 deposit to open account.

**ATM fee refunds up to $20.00 provided only if qualifications are met within monthly qualification cycle.