Couple looking at computer while doing financials

Welcome to the checking account that pays you.

Free Rewards is a free, high-interest checking account that puts up to 2.51% Annual Percentage Yield (APY*) right in your pocket. No short-term, just you getting the most for your money, every month. 


Don't have time to apply online? No problem, fill out this short form and we will be in touch.
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Free Rewards is ideal for you if you want: 

  • Free checking that pays you extra cash each month
  • Free online banking
  • **Nationwide ATM fee refunds
  • No minimum balance to earn rewards


To get up to 2.51% APY*, do the following each month:

  • Enroll and then log into online banking monthly
  • Enroll and receive an e-statement
  • Have at least 12-debit card purchases post and settle


And if you miss a month don't worry; there are no penalties for not qualifying.

You will still enjoy free checking and there's no penalty for not qualifying in a given month. Plus, you get a base 0.03% APY* and you get right back to making up to 2.51% APY* and enjoying ATM refunds the next month you qualify.

*APY=Annual Percentage Yield. See below for full details.

Account Details

APYs accurate as of 08/14/2017. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) **Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.51%; and (3) balances over $10,000 earn 0.20% interest rate on portion of balance over $10,000, resulting in 2.51% - 0.20% APY depending on the balance.

If qualifications are not met, all balances earn 0.03% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Fees may reduce earnings.