Skip to content

Free checking, simple savings, and cash rewards — all in one convenient package.

Key Features

  • Automatic Savings
  • High Interest
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements

RealRewards Checking

  • Free checking that pays high interest
  • Automatic monthly transfers of checking account interest earnings and ATM fee refunds*
  • 1.05% APY* on balances up to $25,000.99
  • 1.05% to 0.05% APY* on balances over $25,000.99 depending on balance in account
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly/up to $5 per occurrence)*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Includes digital banking services:
    • Online banking with bill pay
    • Mobile banking with mobile deposit
    • eStatements
  • Free debit card
  • $250 minimum deposit to open
  • In order to open this checking account, you are required to open a RealSaver savings account.

RealSaver

  • Free account that builds your savings effortlessly
  • 0.50% APY* on balances up to $25,000.99
  • 0.50% to 0.05% APY* on balances over $25,000.99 depending on balance in account
  • 0.01% APY* if qualifications are not met in RealRewards Checking
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • 6 free withdrawals per month; $10 for each withdrawal in excess thereafter1
  • Includes digital banking services:
    • Online banking
    • Mobile banking
    • eStatements
  • $250 minimum deposit to open

Here's How You Qualify

Enrollments must be in place and all of the following transactions and activities must post and settle to your RealRewards Checking with Saver accounts during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your RealRewards Checking with Saver accounts are still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

*Minimum deposit to open RealRewards Checking account is $250. Minimum deposit to open RealSaver account is $250. Annual Percentage Yield (APY) accurate as of 1/17/2019. RealRewards Checking rate tiers are as follows: 1.05% APY applies to balances of $.01 - $25,000.99, and 1.05% 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. Rates may change after the account is opened. Fees may reduce earnings. 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.

For information on rates, please contact our Customer Care Department at 888-303-8298.

1You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.