Earn up to 2.00% APY* on this free account
that includes perks like complimentary
checks and free ATM usage.


Earn High Rates — Get Great Perks

Getting the most from your checking just became even more profitable! The best part is, it’s super easy to earn these rewards! Enrollments must be in place and all of the following transactions and activities must post and settle to your High Rate Checking account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking (must be done by primary account holder)

That’s all there is to it! And if for some reason you don’t qualify one month, there’s no need to worry. Your account is still free, you‘ll still earn  and you can get right back to earning your full rewards the very next month.


  • A checking account that pays high interest
  • 2.00% APY* on balances up to $15,000
  • 0.50% APY* on all remaining balances over the first $15,000
  • 0.01% APY* if qualifications aren’t met
  • Auto qualify for rewards the first month of account opening
  • Refunds on ATM withdrawal fees, nationwide (up to $5 per transaction/$15 per cycle)*
  • Link to High Rate Saver to build savings automatically
  • No minimum balance to earn rewards
  • No Monthly Maintenance Fees
  • Non-Sufficient Funds fee may apply
  • Complimentary welcome package of basic checks at account opening
  • Good Neighbor Overdraft available**
  • Ready Reserve Overdraft protection available***
  • Free online banking & bill pay 
  • Free e-statements [links to e-statements page]
  • Free mobile banking with mobile deposit 
  • Free Visa® debit card (can be used as credit or debit)
  • No minimum deposit to open


* Annual Percentage Yield (APY) subject to change.
** If account is in good standing for the first 90 days, Good Neighbor Overdraft may be offered.
*** Ready Reserve Overdraft protection is based on credit worthiness and a credit application must be submitted and approved by the underwriter.