Reward Checking

Bring home big-time rewards with your free checking account — Reward Checking gives you a high 2.00% APY,* plus ATM fee refunds* up to $20 each month! All you need to do to earn these rewards are some easy banking activities that you're probably already doing. Link your account to Real Saver to build your savings automatically! Get started today with just a $25 opening deposit.

  • 2.00% APY* on balances up to $15,000
  • 2.00% to 0.50% APY on balances over $15,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • ATM fee refunds nationwide (up to $20 monthly)*
  • No monthly service fee
  • No minimum balance requirement to earn rewards
  • Free online banking and bill pay
  • Free monthly eStatements
  • Free MasterCard® debit card
  • Plus, link to Real Saver for free automatic savings!
  • $25 minimum deposit to open

See our current rates.


The qualifications were actually designed to help you bank with less effort. To earn your rewards, simply do the following activities and transactions in your Reward Checking account each monthly qualification cycle:

  • Be enrolled and receive eStatement notices
  • Be enrolled and log into online banking
  • Have at least 10 debit card transactions post and settle

Best of all, there's no fee for coming up short, and you still earn the base rate of interest. Plus, you'll be eligible to earn the full rewards the very next month!

*APY = Annual Percentage Yield. APYs accurate as of 05/01/2015. Rates may change after account is opened. Minimum to open is $25 for Reward Checking and $10 for RealSaver. For Reward Checking, if qualifications are met each monthly qualification cycle: (1) **Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.50% interest rate on portion of balance over $15,000, resulting in a range of 2.00% to .50% APY depending on the balance. 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 RealSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Reward Checking APY. The Real Saver APYs may be less than the Reward Checking APYs. If qualification in Reward Checking are met each monthly qualification cycle: (1) balances up to $50,000 in Real Saver receive an APY of 1.00%; and (2) balance over $50,000 in Real Saver earn 0.50% interest rate on portion of balance over $50,000, resulting in a range of 1.00% to 0.50% APY depending on the balance. If qualification are not met in Reward Checking, all balances in RealSaver earn 0.05% APY.

Reward Checking