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Enjoy high interest rates when you qualify.


Key Features

  • Digital Banking
  • Mastercard Debit
  • Earn an APY of 2.00% on balances up to $25,000 and an APY of .15% on remaining balances when when you spend a minimum of $500 with your debit card from the account each month.
  • Includes one complimentary order of checks on new accounts when orderered within the first 6 months.
  • Rebates on ATM withdrawal fees, nationwide (up to $25 monthly) when qualifications are met.*
  • Access to digital banking including bill pay and mobile deposit services*
  • Free Mastercard® debit card
  • $25 minimum deposit to open
  • Ability to earn higher interest on a savings account when you combine with the Ultimate checking account. 
  • APY = Annual Percentage Yield. 
  • $25 minimum deposit to open.
  • When you spend at least $500 with your debit card from the account during the month you will earn:
    • Tier 1: An interest rate of 1.98% with an APY of 2.00% on the portion of your daily balance that is less than or equal to $25,000.  
    • Tier 2: An interest rate of .14% with an APY of .15% on the remaining balance.
  • When you don’t spend $500 or more with your debit card on the account in the month you will earn:
    • An interest rate of .01% with an APY of .01% on the entire balance.
  • Interest compounds monthly and is credited to your account on the last day business day of the month.  
  • The minimum balance to earn interest is $.01.
  • Monthly maintenance service charge of $10. Waived for anyone age 22 or less or age 70 and over. 
  • The following monthly maintenance service charge rebates may be earned:
    • $5 for receiving an electronic statement or if you have a current balance at month end of $25,000 in the account or in a combination of up to 3 other accounts including checking, savings, money market or time deposits.
    • $5 for receiving total direct deposits of at least $500 monthly in the account or if you maintain a minimum of $500 in the account every day during the month.
  • Receive ATM fee rebates imposed by other U.S. financial institutions, up to an aggregate amount of $25 per month when you spend at least $500 with your debit card on the account each month.
  • Rates may change after the account is opened without notice to you. Interest less than a penny cannot be distributed. Fees may reduce earnings.
  • *Mobile carrier fees may apply.
  • Higher/High rate claim is based on FDIC’s National Monthly Rate Cap for interest checking accounts.  Claim is independent of any one institutions offerings.  Comparison Source: Interest Checking, FDIC, 01/17/2023.