4.00% APY1 on balances up to $15,000
With just $10, open our Rewards Checking Account and earn interest.
What you get with Rewards Checking
- Free ATM or debit card2
- Free online/text/app banking3
- Free online bill pay
- MX Personal Financial Management
- Deposits insured in full by FDIC and DIF
- Free mobile deposit
- Surcharge-free withdrawals at over 75,000 ATMs (SUM®, MoneyPass® and Allpoint® network ATMs. Non SUM®, MoneyPass® and Allpoint® ATM networks may charge a separate fee.)
Rewards Checking Account requirements
Account requirements to earn 4.00% APY1 and up to $20 foreign ATM surcharge fees reimbursed. If criteria is not met, account will earn 0.01% APY1.
- Online Banking enrollment
- eStatement enrollment
- Minimum of 10 debit card purchases
- A direct deposit of $100 or more per statement cycle
| Balance | Interest Rate | Annual Percentage Yield* |
|---|---|---|
| $0.00 – $15,000.00 | 3.92% | 4.00% APY |
| $15,000.01+ | 0.01% | 4.00% to 0.01% APY |
* The Annual Percentage Yield (APY) is 4.00% as of 06/21/2026. Balances up to and including $15,000.00 will earn an APY of 4.00%. Balances in excess of $15,000.00 will earn an APY of 4.00% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. To be eligible for the interest rates and APY and receive up to $20.00 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in Online Banking and eStatements; direct deposits to the account totaling at least $100.00; 10 debit card purchases. Rate is subject to change. Fees may reduce earnings.