Skip to main content

LOYALTY REWARDS CHECKING

The more rewarding interest checking account

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.

Earn up to 5.55% APY on balances up to $25,000!

Earn more. Save more. Easy Rewards. It pays to be loyal with Loyalty Rewards. 

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%

Loyalty Rewards Checking earns the following:

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 June 16, 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

  • Minimum of 20 Debit MasterCard® point of sale transactions post and settle to the account
  • Minimum of one $500 or greater Direct Deposit or automated clearing house (ACH) debit or credit must post and settle to the account
  • Have a combined total of $25,000 or more in personal deposit accounts (primary account owner) based on the average daily balances and/or loan relationships based on current principal balance

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.

Need us?

Find us across Ohio, Indiana and Michigan. Or right here online.