Smart Rewards Checking

Smart Rewards Checking

This free interest checking account pays you 1.26% APY* each monthly qualification cycle with no monthly fees or minimum balance requirements. We even refund ATM fees nationwide up to $25.

  • 1.26% APY* on balances up to $25,000
  • 0.50% APY* on amount of balance over $25,000
  • 0.05% APY* if qualifications are not met each Rewards cycle
  • Free ATM fee refunds nationwide up to $25
  • Unlimited checking
  • No monthly fee
  • No minimum balance
  • Available to personal accounts only (one per individual).
  • Free Check Card
  • Free NetTeller Online Banking**
  • Free e-Statements***
  • Free VoiceAccess Telephone Banking
  • $400 Bounce Protection
  • Direct Deposit available
  • FDIC insured up to $250,000
  • $150 deposit to open


To qualify for the Smart Rewards, simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and clear****
  • Have at least 1 automatic payment or direct deposit post and clear
  • Receive e-Statements***
  • Accounts not meeting the qualifications for three(3) consecutive statement cycles will be converted to an E-Z Checking account and may be subject to a service charge.

If you don't qualify during a cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. Plus you get a base rate of 0.50%APY* and you get right back to making 1.26% APY* and enjoying ATM fee refunds the next cycle you qualify.


*Annual Percentage Yield (APY) accurate as of 2/1/2012. Rate tiers are as follows: 1.26% APY applies to balances of $.01 - $25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 1.26% APY - 0.50% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‚Äźbank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle. Available to personal accounts only. No monthly service charge.

**Bill Pay available for $3 fee

***You must maintain an active Net Teller ID to receive your statements electronically.

**** Transactions less than $3.00 each will not be considered for purposes of meeting your 10 debit/credit transactions, per Rewards cycle.

Rewards Calendar