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Rewards Checking

Home Personal Checking Rewards Checking

Whether you’re spending or saving, do it well.

For just $10, open our Rewards Checking Account and earn interest.


You want to take advantage of every opportunity to make your money work for you. It’s why we offer this checking solution that earns competitive interest. Get started with just $10. We’re always searching for solutions to make your day-to-day even better—and the destination attainable.


Maximum account balance to earn rewards $15,000
Minimum account balance to earn rewards $10



Account requirements to earn 2.00% APY* and up to $20 foreign ATM surcharge fees reimbursed. (If criteria not met and/or the daily balance any day of the cycle is greater than $15,000, the entire account balance will earn 0.01% APY*):

  • Active online/mobile banking (at least 1 login in the statement cycle)
  • eStatement enrollment
  • Minimum of 12 debit card purchases, over $10 each, must post and settle in the monthly statement cycle
  • Direct deposit minimum $100 in the statement cycle

Also includes:

  • Free ATM or debit card***
  • Free online/text/app banking**
  • Free online bill pay
  • Free mobile deposit
  • MX Personal Financial Management
  • Purchase rewards
  • Deposits insured in full by FDIC and DIF
  • Surcharge-free withdrawals at SUM, MoneyPass and Allpoint network ATMs  (Non SUM, MoneyPass and Allpoint ATM networks may charge a separate fee.)

Required to open a checking account: 

  • Valid photo ID
  • If using a passport or valid photo ID and it has your incorrect physical address,  you need to provide one of the following for proof of address: bill, car insurance,  bank statement, rental agreement, or new mortgage statement


Ineligible if any loan delinquency

*The Annual Percentage Yield (APY) for the Rewards Checking account is 2.00% as of 4/1/21. To qualify for the Rewards Checking preferred interest rate and receive up to a $20 reimbursement for foreign ATM fees per monthly statement cycle, you must meet the following monthly requirements: the minimum account balance is $10; the maximum account balance is $15,000; enrollment in online banking; enrollment in eStatements; a direct deposit in the account of at least $100 per montly statement cycle; have at least 12 POS signature debit card purchases per monthly statement cycle with a minimum of a $10.00 for each purchase; no more than 15 days delinquent on a loan. Notice: monthly statement of account will reflect credit card days delinquent at 0 as this is not a requirement to receive the preferred interest rate. If the account does not meet one of the criteria above, or goes above $15,000  any day of the monthly statement cycle, the entire balance will earn 0.01% APY. Rate is subject to change. Fees may reduce earnings.

**Cellular carrier message and data rates may apply.

***The Bank charges $20.00 for a replacement ATM or debit card. 

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