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Rewards Checking

  • Earn 2.00% APY* on balances up to $15,000. No minimum balance to earn rewards
  • Or Earn 0.10% APY* if qualifications are not met
  • Free Checking
  • Free Bill Pay
  • FREE ATMs** nationwide
  • Interest is earned monthly when 10 check card purchases post and clear the account within the statement cycle, must be registered for Online Banking and access Online Banking at least one time during the statement cycle^
  • Receive electronic statements through Online Banking during the statement cycle

Rewards calendar

^Please note that check card transactions do not always post and clear on the day of purchase. Check card transactions must post and clear your account within the statement cycle. It is recommended that you do not wait until the end of the cycle to make your check card transactions, as they may not be posted in a timely manner. Please note if you are logging in to your online banking on the final business day of the cycle you must log in prior to 5:00 p.m. CT for the login to be considered for that statement cycle. Online banking logins considered for the next statement cycle will begin at 12:01 a.m. the following calendar day. *Annual Percentage Yield (APY) accurate as of 01/01/2018. Minimum to open account is $100. Rate tiers are as follows: Reward Rates 2.00% APY applies to balances of $.01 - $15,000 and 0.25% APY paid on balances over $15,000 as long as qualifications are met each statement cycle. The APY for accounts with balances over $15,000 will range from 2.00% to 0.48%. Base Rate 0.10% APY will be earned on all balances if qualifications are not met. All balances will earn 2.00% APY to 0.25% APY as long as qualifications are met. Click here for the Rewards Checking Calendar. Please review this calendar to determine the monthly statement cycle. Rates may change after the account is opened. Fees may reduce earnings. Consumer purposes only. No monthly account maintenance fees. No Bill Pay Fee. Limit two Rewards Checking Accounts per household. **ATM fee refunds up to $25 per cycle when qualifications are met. Your nationwide ATM fee refunds up to $25.00 occur at the end of each statement cycle.