Checking Accounts

Our checking accounts come with free Visa® debit cards and eStatements!  Find the checking that is right for you.

 

CashBack Checking

  • Earn 2.00% cash back a month on your first $300 in purchases when using your Visa® debit card in qualified transactions1   
  • ATM fee refunds up to $20 per qualification cycle2
  • Rewards earned are automatically transferred to your RealSaver,  where they grow dividends3

 

Premium Checking

  • Earn 2.00% APY4 on balance up to $10,000
  • .25% APY on balances over $10,0004
  • ATM fee refunds up to $20 per qualification cycle2
  • Rewards earned are automatically transferred to your RealSaver, where they continue to grow dividends3

 

Basic Checking

  • Basic and simple checking
  • No rewards or refunds

 

Open a Checking account today

 

Checking Account Protection Options – learn how to protect your checking account from being overdrawn.

 

Monthly Qualifications for CashBack and Premium Checking5

Don’t meet the monthly qualifications? No worries, there are no penalties or monthly service fees.

The following qualifications must be met per qualification cycle in order to earn the reward and fee refunds.5

  • Minimum of twelve (12) Visa® debit card purchases must post and clear
  • Minimum of one (1) direct deposit or ACH automatic debit or bill pay
  • Receive eStatements
  • Access Web24 online banking

 

 2017  Premium Checking, CashBack Checking &  360 iChecking Qualification Periods

Month

Next to Last Business Day

Last Business Day

Qualification Period

January

Jan 30

Jan 31

Dec 30 – Jan 30

February

Feb 27

Feb 28

Jan 31 – Feb 27

March

Mar 30

Mar 31

Feb 28 – Mar 30

April

Apr 27

Apr 28

Mar 31 – Apr 27

May

May 30

May 31

Apr 28 – May 30

June

Jun 29

Jun 30

May 31 – Jun 29

July

Jul 28

Jul 31

Jun 30 – Jul 28

August

Aug 30

Aug 31

Jul 29 – Aug 30

September

Sep 28

Sep 29

Aug 31 – Sep 28

October

Oct 30

Oct 31

Sep 29 – Oct 30

November

Nov 29

Nov 30

Oct 31 – Nov 29

December

Dec 28

Dec 29

Nov 30 – Dec 28

 

Checking Rates

Rates as of: 5/31/2016 12:06:55 PMSee Truth in Savings for Details
Dividend RateAPY3
Premium Checking1.98%2.00%On Balance Up To $10,000
Requirements Met0.25%0.25%On Balance Over $10,000
Requirements Not Met0.05%0.05%On Entire Balance
RealSaver & Premium Checking0.75%0.75%On Balance Up To $5,000
Requirements Met0.10%0.10%On Balance Over $5,000
Requirements Not Met0.05%0.05%On Entire Balance
Basic Checking0.00%0.00%Minimum Balance To Earn Dividend Is $5,000

 

Disclosures

1) Earn 2% cashback on purchases up to $300.00 (up to $6.00 cashback) on point of sale transactions when you use your Visa Check Card and qualifications are met. Excluding returns and ATM transactions. No minimum balance required to earn cash back rewards. No monthly service fee. Available to personal accounts only. Maximum of two (2) CashBack Checking accounts per social security number.

2)ATM fee refunds up to $20 are provided only if qualifications are met within qualification cycle. Only ATM transactions posted to your Premium Checking (or 360 iChecking) account and cleared during the qualification cycle are refundable. EX: if the member were to make an ATM withdrawal on Jan 31 and is charged a fee, it would be reflected in the Feb qualification period. ATM fees up to $20 will be refunded (if qualifications are met) in the qualification period in which they were made. ATM fees will be reimbursed up to a maximum of $4.99 per individual transaction.

3)  For RealSaver 0.75% APY applies to balances of $.01 – $5,000.00 and .10% APY applies to balances over $5,000.00. 0.05% APY applies to all balances if qualifications are not met.

4) Annual Percentage Yield (APY). Rates may change after the account is opened. No minimum balance required. No monthly service charge. Available to personal accounts only. This offer may be revised or withdrawn at any time. 2.00% APY applies to balance of $.01 – $10,000 and 0.25% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met.

5) Qualifying transactions for each statement cycle must clear by the second to the last business day of the month. All qualification transactions must be posted to the account and cleared during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made. An ACH transaction could either be a deposit or a withdrawal. Debit card transactions must be point-of-sale transactions. ATM-processed transactions do not count towards qualifying debit card transactions. In order for a Visa debit card purchase to count for the month, it must have posted and cleared during the qualification cycle.