Free Rewards Checking Account

Rewards Checking


Simplify your banking experience and get rewarded for doing it! Earn really high interest and nationwide ATM fee refunds* — just for doing things you're probably already doing, like using your debit card and banking online.

And there are no balance requirements or per-check charges with this free e-checking account. It truly is money management made easy.


  • Free checking account with interest plus rewards
  • 1.06% APY* on balances up to $25,000.99
  • 1.06% to 0.05% APY* on balances $25,001.00 and over
  • 0.01% APY* if qualifications are not met
  • Rates are variable and are subject to change
  • Nationwide ATM fee refunds (up to $25 each month)*
  • No minimum balance to maintain
  • Unlimited checking
  • Debit card
  • Online banking with bill pay
  • Mobile banking
  • eStatements
  • Telephone banking
  • $250 minimum deposit to open


Earning the rewards rate and ATM fee refunds is so easy! To earn your rewards, simply do the following activities in your Rewards 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 and log into 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 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.

Open your accounts online today — or at any of our locations in Midland, Odessa, San Antonio, Big Lake, McCamey, Crane, Monahans, or Devine.

*Minimum deposit to open account is $250. Annual Percentage Yield (APY) accurate as of 10/1/2018. Rate tiers are as follows: 1.06% APY applies to balances of $.01 - $25,000.99, and 1.06% 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 settle 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 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/$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. ATM processed transactions do not count towards qualifying debit card transactions.