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Checking Overview
Our checking accounts are designed to help meet your financial goals. Whether you’re looking for low fees, high rewards, or added convenience, there’s an option to fit your lifestyle.
Rewards Checking
A high yield checking account that earns 5.00% APY* (over 50x the national average!) on balances under $10,000, and 1.00% on additional balances1 — let your checking reward you!
Cash Back Checking
Earn 1% cash back on the first $2,500 spent per month with your debit card.2 — your everyday spending can pay you back!
Evergreen Checking
For no frills, but all the convenience, this hassle-free account offers easy access to basic services.3
Read our FAQ for our monthly checking account qualifications.
Make the most of your money—your rewards are waiting.
Looking for something different?
First Checking Account
For teens with a debit card and no monthly service fee.
Compass Account
For those who lack a traditional form of ID.
Higher Balances? Rewards Savings has you covered.
When you open our Cash Back or Rewards Checking account, you unlock exclusive access to our high-yield Rewards Savings account. Earn 4.00% APY* on balances under $50,000.4
Our checking accounts feature:
 Debit CardEnjoy a contactless debit card and tap-to-pay for quick, easy payments. | |
 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 I keep earning my 5.00% APY
Meet these easy qualifications each month to enjoy 5.00% APY on balances under $10,000:
- Enroll in eStatements through Online Banking.
- Make at least 10 debit card purchases/month.
2 How do I qualify for rewards on my Cash Back Checking account?
To earn 1.00% cash back (up to $25.00 per month) simply make sure you are enrolled in eStatements through online banking.3 Is there a maintenance fee?
There is no monthly maintenance fee on our Rewards Checking and Cash Back Checking accounts! Our Evergreen Checking has a $7 monthly maintenance fee (that is waived with a $100 monthly average balance).
All of our checking accounts have a minimum deposit of $25 to open.
4 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.
Does this account have overdraft protection?
All our checking accounts feature 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: 01/27/2025
Revised: 01/24/2025
*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: 01/27/2025
Revised: 01/24/2025
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.