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Rates for Interest Bearing Checking Products

The following rates are effective November 19, 2019.

Rates are subject to change without notice.

CheckPlus or Check Rewards Checking* Open≥$10,000* 0.05% 0.05% Monthly
CheckPlus or Check Rewards Checking* Open<$10,000* 0.05% 0.05% Monthly
Interest Rewards Checking* Open≤$10,000* 1.00% 1.00% Monthly
Interest Rewards Checking* Open>$10,000* 0.05% 0.05% Monthly
Interest Rewards Checking Base Rate* OpenIf qualifications** are not met 0.05% 0.05% Monthly

* These accounts earn the same interest rate as our NOW checking account when they fall below the required minimum. All accounts must maintain a minimum balance of $10 to earn the APY. Interest rate may change after the account is opened. Fees may reduce earnings.

NOW Checking Open$10.00 0.05% 0.05% Monthly

Important Interest Rewards Checking Information

Annual Percentage Yield (APY) is accurate as of November 19, 2019.

1.00% APY Reward Rate paid on balances up to $10,000. Interest rate for balances over $10,000 is 0.05% with an APY ranging from 0.37% to 1.00% (this range assumes a balance of $30,000 and is paid when requirements are met). If you do not meet the requirements per qualification cycle, your account will earn 0.05% APY. Fees may reduce earnings. Rates as of November 19, 2019. Interest rates and APY subject to change at any time after the account is opened. A minimum daily balance of $10.00 must be maintained on all interest bearing accounts in order to obtain the disclosed Annual Percentage Yield.

**To receive rewards for account, must complete the following each qualification cycle: receive online statements, make 12+ posted and cleared debit card purchases, and have 1 posted and cleared direct deposit or ACH auto debit. "Qualification cycle" means a period beginning two days prior to the last statement cycle through three days prior to the current statement cycle.  Eligibility requirements must be completed (posted and cleared) during each qualification cycle.

A minimum deposit of $50.00 is required to open an account. Personal accounts only. One Rewards Checking account per customer, Interest Rewards or Cash Back Rewards. Free of monthly service and maintenance charges. If another bank assesses surcharges to use its ATM machine within the U.S., we will refund those surcharges with a maximum of $25.00 per qualification cycle when all requirements are met. If qualifications are not met, your account will not receive ATM surcharge refunds for that time period. Other bank fees and overdraft fees per item may apply. Ask us for more information.