Rewards Checking

Rewards Checking

Simplify your banking experience and get rewarded for doing it! This high interest checking account earns you 1.51% Annual Percentage Yield (APY)* each qualification cycle, just for doing everyday activities like using your debit card and banking online.


There are no balance requirements or per-check charges. We even refund up to $25 a month in ATM fees. This account makes managing your account easy!

Summary


  • 1.51% APY* on balances up to $25,000.99
  • 1.51% to 0.05% APY* on balances $25,001.00 and over
  • 0.01% APY* if qualifications are not met
  • Rates may change after the account is opened
  • Nationwide ATM fee refunds**
  • No minimum balance
  • Unlimited checking
  • Debit card
  • Online banking with bill pay
  • eStatements
  • Telephone banking
  • $250 deposit to open

Qualifications

Earning the rewards rate and ATM fee refunds is so easy! The following monthly qualifications are things you probably already do:

  • Have at least 10 debit card purchases post and clear
  • Have at least one recurring direct deposit or auto debit post and clear
  • Receive free paperless eStatements
  • Access online banking

If you should miss the rewards one month, don't worry. You still get a checking account that earns the base rate of 0.01% APY*. And you can get the rewards back the very next month you qualify!

Upgrade to Real Rewards with Saver

You can make even more with your money. Real Rewards with Saver maximizes your earnings with a linked savings account that offers you a second great interest rate.


*Minimum deposit to open account is $250. Annual Percentage Yield (APY) accurate as of 6/3/13.

Rate tiers are as follows: 1.51% APY applies to balances of $.01 - $25,000.99, and 1.51% APY – 0.05% APY applies to balances of $25,001.00 and over if qualifications are met during the monthly qualification cycle. 0.01% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings.

Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Rewards Checking is available to personal accounts and is limited to one account per social security number.


The "statement cycle" is the first business day of the month through the last business day of the month. The "qualification cycle" is the period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Therefore, the above mentioned minimum activity will be determined based upon transactions posted and cleared one day prior to the last business day of the month. Transactions posted and cleared on the last business day of the month will be counted toward minimum activity for the following qualification cycle.

**ATM Fee reimbursements up to $25/$5 per occurrence provided only if qualifications are met within the monthly qualification cycle. The ATM refunds will be credited to your account on the last day of the statement cycle.