Reward Checking

Reward Checking

Reward Checking: High Interest That's a Shoe In!

Step it up with checking that pays! Earn 2.25% APY* with added perks to boot: nationwide ATM fee refunds, no minimum balance to earn rewards and no monthly service fee. All this just for doing a few everyday things you probably already do.

  • 2.25% APY* on your balance up to $10,000
  • 0.05% APY* if qualifications are not met
  • Unlimited ATM fee refunds nationwide
  • No minimum balance required
  • No monthly service fee
  • Unlimited check writing
  • Free Visa┬« Debit Card
  • Free check safekeeping
  • Free Online Banking
  • Free Bill Pay
  • Free Telephone Banking
  • Minimum opening deposit is $100


To earn the outstanding Bonus Rates and ATM fee refunds, simply perform the following each monthly qualification cycle:

  • Have at least 10 Debit Card Transactions (excluding ATM Transactions) post and settle
  • Have at least 1 Direct Deposit or One ACH Auto Debit post and settle
  • Receive a Monthly Electronic Statement

But even if you don't meet the qualifications for a given cycle, the account is still free with NO monthly service charge and you can still qualify for the benefits in future cycles.

*APY=Annual Percentage Yield. APYs accurate as of 01/22/2014. Rates may change after account is opened. Minimum to open is $100 for Reward Checking and $100 for Reward Saver. For Reward Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of the monthly statement cycle; (2) balances up to $10,000.00 receive APY of 2.25%; and (3) balances over $10,000.00 earn 0.25% interest rate on the portion of the balance over $10,000.00, resulting in 2.25% - 0.43% APY depending on the balance. If an individual ATM fee is $5.00 or higher, you must contact us for reimbursement. If qualifications are not met on Reward Checking, all balances earn 0.05% APY. Qualifying transactions must post to and settle Reward Checking during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Reward Checking APY is based on compounding interest. Interest earned in Reward Checking is automatically transferred to Reward Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Reward Checking APY. The Reward Saver APYs may be less than Reward Checking APYs. If qualifications in Reward Checking are met each monthly qualification cycle: (1) balances up to $10,000.00 in Reward Saver receive an APY of 0.50%; and (2) balances over $10,000.00 in Reward Saver earn 0.25% interest rate on the portion of the balance over $10,000.00, resulting in 0.50% - 0.27% APY depending on the balance. If qualifications are not met in Reward Checking, all balances in Reward Saver earn 0.05% APY.