It's one financial benefit after another, stacked up nice and high. Earn rewards, collect interest on your deposits, and avoid monthly service charges. Our interest-bearing account is ideal for customers who have a recurring direct deposit, ACH deposit, or ACH debit during each statement cycle.*
- $50 needed to open
- Interest Rate = 0.20% Annual Percentage Yield (APY) (rates are accurate and effective as of 12.18.2025)
- Earn additional cash with everyday debit card transactions during the Reward Period**
- Earn $0.05 reward for every debit card transaction* of $10 or more
- Reimbursement of up to $10 of ABB and foreign ATM fees each month
- Free 1st order of checks
- No minimum balance
- No monthly service charge
*An ACH payment is a type of electronic credit or debit payment initiated through the Automated Clearing House Network. ATM transactions with debit card does not qualify for cash rewards.
**The Reward Period is the first business day of the calendar month through the last business day of the calendar month, regardless of statement cycle. A business day is defined as Monday through Friday, excluding holidays. Rewards will be paid by the fifth (5th) business day of the following month. Debit card transactions not posted/cleared by last day of the month may receive rewards in following month. Cash Rewards & ATM Rebates are not credited if the account is closed before the last day of the month.
Overdrafts: While we are not obligated to pay any item presented for payment, if your account does not contain enough money, as long as you maintain your account in good standing we may approve your overdraft. We will notify you promptly of any non-sufficient funds items paid or returned that you may have: however we have no obligation to notify you before we pay or return any item. The amount of any overdraft including paid OD Privilege Paid Item(s) fee of $28 and/or a NSF Returned Item(s) fee of $28 will be charged. OD Privilege Policy
INTEREST: We calculate interest on your account using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day of your deposit. Interest will be credited monthly every statement cycle and credited to account last day of statement cycle. Withdrawals and fees may reduce earnings. Closing the account before interest is credited will result in no interest paid.
