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Choose Your Reward —

5.00% APY* or 1% Cash Back.

You've Earned It!

 

Choose how you want to benefit from your spending or checking balance—whether it’s earning 5.00% APY or $25 cash back on everyday purchases each month.  


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Rewards Checking

Earn 5.00% APY* on balances under $10,000, and 1.00% on additional balances.1

Cash Back Icon

Cash Back Checking

Earn 1% cash back on the first $2,500 spent per month with your debit card.2 Up to $25 each month.

Open Rewards Checking

Open Cash Back Checking

Please refer to the qualifications for both rewards accounts in the FAQ

Rewards Checking: Earn 5.00% APY on balances under $10,000 and 1.00% on additional balances—maximizing your checking balance!  

Cash Back Checking: Earn up to $25 cash back every month on the first $2,500 you spend with your debit card. Don’t miss out—your everyday spending can pay you back!  

Whether you want to grow your checking balance with 5.00% APY or prefer earning cash back on everyday spending, our accounts are designed to maximize your financial benefits and fit seamlessly into your lifestyle.  

Make the most of your money—your rewards are waiting.  

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Higher Balances? Rewards Savings has you covered.

When you open our Rewards Checking account, you unlock exclusive access to our high-yield Rewards Savings account. Earn 4.00% APY* on balances under $50,000.3

Open Rewards Checking with Savings

Open Cash Back Checking with Savings

Our checking accounts feature:

 

Debit Card

Your Debit Card

Enjoy a contactless debit card and tap-to-pay for quick, easy payments.

Mobile Banking

Online and Mobile banking

Easy access to mobile deposit, Bill Pay, P2P payments, and more!

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Mobile Pay

Link your debit card with ApplePay, GooglePay, or SamsungPay to pay with your phone.

 

ATM/ITM

37,000+ in-network ATMs

Free nationwide access to cash withdrawals. ATM finder.

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Credit Monitoring

Stay on top of your financial health with free credit score monitoring.

 

Customer Support

Customer Support

We’re here to help via live chat, over the phone at 800-800-1577, and in-person at one of our branches.

 

 

FAQs

 

1 How Can You Keep Earning Your 5.00% APY

Meet these easy qualifications each month to enjoy 5.00% APY on balances under $10,000:

  • Make direct deposits or ACH deposits totaling at least $1,000/month. 
  • Enroll in eStatements through Online Banking. 
  • Make at least 10 debit card purchases/month.

2 How Can You Maximize Your Cash Back?

Meet these simple requirements to earn 1.00% cash back (up to $25.00 per month) and waive the $1 monthly maintenance fee:

  • Make direct deposits or ACH deposits totaling at least $1,000/month. 
  • Enroll in eStatements through Online Banking. 
  • Make at least 15 debit card purchases/month. 

3 How can I earn 4.00% APY* on my Rewards Savings?

As long as you have an open Rewards Checking or Cash Back Checking account, you qualify for our premium Savings APY.

Is there a maintenance fee?

There is no monthly maintenance fee on our Rewards Checking account! Our Cash Back Checking has a $1 monthly maintenance fee that is waived each month your account qualifies for rewards.

Does this account have overdraft protection?

Rewards Checking features our standard overdraft practices. Learn more about our available overdraft protection plans.

Rewards Checking

Balance Interest Rate APY* Type of Interest Minimum Deposit to Open
Qualifying balances** less than $10,000 5.00% 5.00% Simple $25
Qualifying balances** >= $10,000 1.00% 5.00%-2.60%*** Simple $25
Non-Qualifying balances** 0.10% 0.10% Simple $25

Interest Rates Effective: 12/21/2024

Revised: 12/20/2024

*APY is Annual Percentage Yield. APY assumes principal and interest remain on deposit for one year at the same interest rate. Interest rates and APYs subject to change without notice. Fees could reduce earnings.  

**The interest rate/APY you earn will depend on whether you meet Rewards Qualifications for each monthly statement cycle as outlined in your Rewards Checking Truth in Savings Disclosure. If you don’t meet the Rewards Qualifications, your entire balance will earn the non-qualifying interest rate and APY. 

***The APY range assumes a sample deposit of $25,000.  

Rewards Savings

Balance Interest Rate APY* Type of Interest Minimum to Open
Qualifying balances** less than $50,000 4.00% 4.00% Simple $25
Qualifying balances** >= $50,000 1.00% 4.00%-3.00%*** Simple $25
Non-Qualifying balances** 0.05% 0.05% Simple $25

Interest Rates Effective: 12/21/2024

Revised: 12/20/2024

Accounts closed within 90 days of opening will be assessed a $15 early closing fee.

*APY is Annual Percentage Yield. APY assumes principal and interest remain on deposit for one year at the same interest rate. Interest rates and APYs subject to change without notice. Fees could reduce earnings.  

**The interest rate/APY you earn will depend on whether you meet the Premium Rate/APY Rewards Qualifications for each monthly statement cycle as outlined in your Rewards Savings Truth in Savings Disclosure. If you don’t meet the Rewards Qualifications, your entire balance will earn the non-qualifying interest rate and APY. 

***The APY range assumes a sample deposit of $75,000.