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.
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.
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
Our checking accounts feature:
Your Debit CardEnjoy a contactless debit card and tap-to-pay for quick, easy payments. | Online and Mobile bankingEasy access to mobile deposit, Bill Pay, P2P payments, and more! |
Mobile PayLink your debit card with ApplePay, GooglePay, or SamsungPay to pay with your phone. |
37,000+ in-network ATMsFree nationwide access to cash withdrawals. ATM finder. |
Credit MonitoringStay on top of your financial health with free credit score monitoring. |
Customer SupportWe’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.