Free Rewards Checking


Free Rewards Checking Account with high interest*


This Free Rewards Checking account pays high interest rewards and can be linked to your free REALSaver account for easy, automatic savings.

  • $100 minimum opening deposit required
  • Earn 1.50% APY on balances up to $15,001*
  • Earn 0.05% APY if monthly qualifications aren’t met*
  • Linked to your REALSaver savings account for automatic savings
  • No monthly service charge or minimum balance requirement
  • Free E-Services include:
    • ATM fee refunds nationwide*
    • Visa ® debit card**
    • Online banking
    • Online and mobile bill pay
    • Mobile banking app
    • Mobile deposit
    • E-Statements
    • Finance360 personal finance manager


To earn your rewards, simply do the following activities and transactions in your Free Rewards Checking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear
  • Be enrolled and receive E-Statements
  • Have at least 1 direct deposit or 1 automatic payment (ACH) post and clear

That's it! And if you don't qualify for one month, don't worry. Your account is still free, and you can get right back to earning really high interest and ATM refunds nationwide* the very next month. 

*APY=Annual Percentage Yield. Rates are effective October 16, 2014 and are subject to change. Minimum opening deposit is $100.00. Personal accounts only. One account per customer. Rate tiers are as follows: 1.50% APY applies to balances of $.01 - $15,000.99 and 0.15% APY applies to balances $15,001.00 and above as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. Rates are subject to change at bank's discretion. All balances will earn 1.50% APY to 0.15% APY as long as qualifications are met. Fees may reduce earnings.

**Subject to bank approval.