Checking Options

*APY=Annual Percentage Yield. APY’s accurate as of 11/01/24 Rates may change after account is opened. Minimum to open is $5. Available to personal accounts only. Qualifications must post and settle the account during each monthly statement cycle: have at least 20 debit card purchases; have at least 1 automatic payment or direct deposit; be enrolled and receive e-statement notice. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. ATM transactions do not count towards qualifying debit card transactions. Intra-bank transfers do not count as qualifying ACH transactions. If qualifications are met each monthly statement cycle: balances up to and including $20,000 with 20 monthly debit card purchases receives 2.00% APY, balances up to and including $20,000 with 30 monthly debit card purchases receives 2.50% APY, balances up to and including $20,000 with 40 monthly debit card purchases receives 3.00% APY and balances over $20,000 earn 0.05% APY on portion of balances over $20,000, resulting in 0.05% - 3.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Fees could reduce the earnings on the account. **ATM fees incurred during statement cycle will be reimbursed up to $10 (up to $4.99 per single transactions) and credited to account on the first business day of the next monthly statement cycle. ATM receipt must be presented for reimbursement of ATM fees of $5 or higher. ***FREE Bill Pay service must be deemed active, requiring at least one payment every 30 days, in order to avoid fees. If inactive, a $3.95 per month fee will apply to maintain the Bill Pay account