Hand holding money in front of ATM

Savings powered by your Free Rewards account.

Our Free Rewards Saver is a free, high-interest saver account linked to your Free Rewards checking. With these accounts working together, you can make up to 2.51% APY* on your checking and ATM fee refunds, which are automatically deposited into your Free Rewards Saver account and adds 0.50% APY* on top of that. So you can sit back, relax and watch your savings grow.


Free Rewards Saver is perfect for you if you: 

  • Choose Free Rewards as your free checking account, whether you already have it, or want to open both today
  • Nationwide ATM fee refunds, up to $20 per month, automatically deposited into your Saver account

To easily grow your savings with up to 2.51% APY* from Free Rewards & 0.50% APY* from Free Rewards Saver, 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 savings 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.

We're here to make saving easier than ever with some of the best rates anywhere. Contact us to learn more. And build your savings today.

Account Details

Six (6) withdrawals are allowed per statement cycle or four week period

*APY=Annual Percentage Yield. APYs accurate as of 08/14/2017. Rates may change after account is opened. Minimum to open is $100 for Free Rewards and $100 for Free Rewards Saver. For Free Rewards, 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 the portion of the balance over $10,000, resulting in 2.51% - 0.20% APY depending on the balance.

If qualifications are not met on Free Rewards all balances earn 0.03% APY. Qualifying transactions must post to and settle Free Rewards account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle 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.

The advertised Free Rewards APY is based on compounding interest. Interest earned in Free Rewards is automatically transferred to Free Rewards Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Free Rewards APY. The Free Rewards Saver APYs may be less than Free Rewards APYs. If qualifications in Free Rewards are met each monthly qualification cycle: (1) balances up to $10,000 in Free Rewards Saver receive an APY of 0.50%; and (2) balances over $10,000 in Free Rewards Saver earn 0.20% interest rate on portion of balance over $10,000, resulting in 0.50% - 0.20% APY depending on the balance.

If qualifications are not met on Free Rewards, all balances in Free Rewards Saver earn 0.03% APY. 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.