RealRewards with Saver

RealRewards with Saver

Summary

Make the most of your money without locking it up. This package pairs our premier high interest checking account with rewards and our Saver savings account for the best possible return.

Our RealRewards with Saver checking account offers high interest, plus nationwide ATM fee refunds* each qualification cycle. Those rewards are automatically transferred into your RealSaver account, for savings you don't have to think twice about. And both accounts are easy to qualify. Get started today.

Details:

  • Checking account that earns interest
  • Earn 1.50% APY* on RealRewards Checking balance up to $25,000.99
  • Earn 1.50% to 0.05% APY* on RealRewards Checking balances of $25,001.00 and over
  • Earn 0.01% APY* on all balances if qualifications are not met
  • Rates may change after the account is opened
  • Nationwide ATM fee refunds (up to $25 per month)*
  • No minimum balance requirement
  • Automatic monthly transfers of checking account interest earnings and ATM fee refunds*
  • Debit card
  • Online banking with bill pay
  • Mobile banking
  • eStatements
  • $250 minimum deposit to open

RealSaver

  • High interest earning savings account
  • Earn 0.50% APY* on RealSaver balance up to $25,000.99
  • Earn 0.50% to 0.05% APY* on RealSaver balances of $25,001.00 and over
  • Earn 0.01% APY* on all balances if qualifications in RealRewards checking are not met
  • No minimum balance to maintain
  • eStatements
  • $250 minimum deposit to open

Qualifications:

Qualifying for the RealRewards rewards automatically qualifies you for the highest Saver rate too. To earn your rewards, simply do the following activities in your RealRewards checking account during the monthly qualification cycle.

  • 10 debit card POS (point of sale) transactions post and settle per qualification cycle
  • Have at least one Direct Deposit or ACH Auto Debit post and settle per qualification cycle
  • Be enrolled and receive eStatement notice
  • Be enrolled in and log into online banking

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



*Minimum deposit to open RealRewards Checking account is $250. Minimum deposit to open RealSaver account is $250. Annual Percentage Yield (APY) accurate as of 1/29/2014. RealReward Checking rate tiers are as follows: 1.50% APY applies to balances of $.01 - $25,000.99, and 1.50% APY – 0.05% APY applies to balances of $25,001.00 and over for each qualification cycle that the minimum activity is met. 0.01% APY applies to all balances when minimum activity is not met during the qualification cycle. RealSaver rate tiers are as follows: 0.50% APY applies to balances of $0.01 - $25,000.99, and 0.50% APY - 0.05% APY applies to balances of $25,001.00 and over for each qualification cycle that the minimum activity is met on the RealRewards Checking account. 0.01% APY applies to all balances when minimum activity is not met during the qualification cycle on the RealRewards Checking account. Qualifying transactions must post and settle the RealRewards Checking account during the qualification cycle. Transactions may take one or more business days from the transaction date to post and settle an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. RealRewards Checking and RealSaver are available to personal accounts and are 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 settled one day prior to the last business day of the month. Transactions posted and settled 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 per qualification cycle and up to $5 per occurrence provided only on the checking account and only if minimum activity is met during the qualification cycle. The ATM refund will be credited to your RealRewards checking account on the last day of the statement cycle. The ATM fee refund will be transferred to your RealSaver account on the following business day. ATM processed transactions do not count towards qualifying debit card transactions.

A complete listing of account fees and terms is located inside the Products and Services Brochure.