Get the interest checking account with easy rewards.
Open a checking account that rewards you just for using your debit card, direct deposit or ACH. The more qualifiers you meet, the higher your interest rate. With Loyalty Rewards Checking, it pays to be loyal – literally.
- Tiered interest rate rewards
- Free online & mobile banking
- Nationwide ATM fee refunds*
- Free debit card
- Free online statements
- Unlimited check writing
Earn Easy Rewards
It’s easy to earn rewards with Loyalty Rewards Checking. Just enroll in eStatements and meet at least one of three monthly statement cycle qualifiers, no minimum balance required. Meet all three qualifiers and earn our premium Tier 3 interest rate. Don’t make it one month? No problem. You can still qualify and earn interest rewards the next month.
LOYALTY REWARDS CHECKING
| Tiers | Rate | Rate | APY |
|---|---|---|---|
| Tier 1 | eStatement and one qualifier is met in the monthly statement cycle | 0.02% | 0.02% |
| Tier 2 | eStatement and two of the qualifiers are met in the monthly statement cycle | 0.17% | 0.17% |
| Tier 3 | eStatement and three of the qualifiers are met in the monthly statement cycle | 5.41% | 5.55% |
| Basic Tier | For balances above $25,000, if eStatement and one qualifier is met in the monthly statement cycle | 0.01% | 0.01% |
Basic Tier – An interest rate of 0.01% with an annual percentage yield of 0.01% will be paid only for that portion of your daily balance that is greater than $25,000.00.
Tier 1 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 1 qualifier, the interest rate paid on the entire balance will be 0.02% with an annual percentage yield of 0.02%.
Tier 2 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 2 qualifiers, the interest rate paid on the entire balance will be 0.17% with an annual percentage yield of 0.17%.
Tier 3 If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 3 qualifiers, the interest rate paid on the entire balance will be 5.41% with an annual percentage yield of 5.55%.
Depending on the balance in the account and the number of qualifiers met, assuming a maximum account balance of $100,000.00, the annual percentage yield will range as follows: Tier 1 - 0.01% to 0.01%, Tier 2 - 0.01%- 0.05%, Tier 3 - 0.01% - 2.14%.
Annual Percentage Yields accurate as of March 8, 2024. Rates may change after the account is opened. To earn interest, you must be enrolled in eStatements and meet a minimum of one qualifier during the monthly statement cycle. Minimum to open a Loyalty Rewards Checking account is $50. There is no minimum balance requirement to earn interest or receive ATM fee refunds. If enrolled in eStatements and a minimum of one (1) qualifier is met each monthly statement cycle, nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $10 and will be credited to your account on the last business day each month. A service charge of $5.00 will be charged each monthly statement cycle unless the account is enrolled in eStatements and a minimum of one qualifier has been met. Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. Fees may reduce earnings. Personal accounts only. Limit one Loyalty Rewards Checking account per household.
Monthly Statement Cycle Qualifiers
- 20 Debit MasterCard® point of sale purchases**
- Direct Deposit (credit) or Automated Clearing House (ACH) debit or credit of $500 or more**
- Combined personal deposit/loan relationship of $25,000 or more
*Must post and settle.
FREE ONLINE & MOBILE BANKING
Securely access your account and manage expenses 24/7.
NATIONWIDE ATM FEE REFUNDS
Receive refunds on ATM fees, up to $10/month.*
LOW $5 MONTHLY SERVICE CHARGE
Meet the monthly qualifiers, and we’ll waive it.
FREE ONLINE STATEMENTS
Get convenience and security without the paperwork.
EZ OVERDRAFT
Overdraft protection available for an additional charge.
