Earn high interest and refunds on ATM withdrawal fees, nationwide* — just for using your account.
- High Interest
- Refunds on ATM Withdrawal Fees*
- No Monthly Maintenance Fees
- No Minimum Balance Requirements
- Free checking that pays high interest
- 1.06% APY* on balances up to $25,000.99
- 1.06% 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
- Free debit card
- $250 minimum deposit to open
Upgrade to RealRewards Checking with Saver
You can make even more with your money. RealRewards Checking with Saver maximizes your earnings with a linked savings account that offers you a second great interest rate.
Here's How You Qualify
Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards Checking account 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 Rewards Checking account is 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 account is $250. Annual Percentage Yield (APY) accurate as of 7/3/2019. 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.
For information on rates, please contact our Customer Care Department at 888-303-8298.