Personal Checking Accounts
Checking that rewards spending.
We can't say enough about our Rewards Checking. For starters, it's easy to use and it is big on benefits. Plus, it has Nationwide ATM fee refunds and earns you interest!* It should be called the Everything-You-Want checking account.
• Earn competitive interest on checking balances*
• ATM fees refunded nationwide*
• Debit Card for convenient shopping and easy withdrawals at ATMs
• EZ $ave account that helps you build up your savings balance
• eStatements that give you a quick, secure look at your monthly transactions
• Overdraft Services available to protect you from high returned-check fees
• Deposits fully insured with FDIC and Depositors Insurance Fund (DIF) coverage
• ATM fees refunded nationwide*
• Debit Card for convenient shopping and easy withdrawals at ATMs
• EZ $ave account that helps you build up your savings balance
• eStatements that give you a quick, secure look at your monthly transactions
• Overdraft Services available to protect you from high returned-check fees
• Deposits fully insured with FDIC and Depositors Insurance Fund (DIF) coverage
• Receive direct deposits up to two days early***
If you are a new customer, please make sure you have the following available:
- U.S. Social Security Number
- Valid Driver’s License or State ID
- Credit or debit card or bank routing number to fund your new account
Rates as of 09/01/2021
All rates subject to change without notice.
| Rewards Checking* |
Annual Percentage Yield (APY) | Annual Interest Rate | Minimum Deposit To Open | Minimum Balance To Obtain The APY |
|---|---|---|---|---|
| On balances up to $25,000 | 0.10% | 0.10% | $10 | $0.01 |
| On balances over $25,000 | 0.10% to 0.09%** | 0.05% | $10 | $25,000.01 |
| Base Rate | 0.01% | 0.01% | $10 | $0.01 |
*To qualify for the highest interest rate and refunds of nationwide ATM fees, you must have 12 or more debit card purchases post to your account; be enrolled in online banking and receive eStatements; and, have either one Direct Deposit or one ACH Auto Debit post to your account during each monthly statement cycle. If requirements are met, we will post interest to your account and refund ATM fees on the last business day of the monthly statement cycle. If you do not meet these qualifications, you will receive the Rewards Checking Base Rate on the principal balance. ATM fee refunds may be reportable as miscellaneous income.
**Assumes a principal balance of $35,000.00. APY earned depends on the actual principal balance.
Fees may reduce earnings on this account. The interest rate and APY may change after the account is opened.
***Early access to funds is not guaranteed.
