Smart Rate Checking

Make the smart move for your checking account with Smart Rate Checking.

Break free from steady and step into a world where your checking pays. Earn high dividends and refunds on ATM withdrawal fees, nationwide, every month you qualify.*

Benefits You’ll Love

• High dividends on your balance*
• Refunds on ATM withdrawal fees, nationwide*
• No minimum balance to earn rewards

Details

• Free checking that pays high dividends
• 5.00% APY* on balances as much as $20,000
• 5.00% to 1.25% APY on balances over $20,000 depending on balance in account*
• 0.05% APY* on all balances if qualifications aren't met
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Link to free Smart Saver to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fee
• $5 minimum deposit to open

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Smart Rate account during each Monthly Qualification Cycle:

• At least 12 debit card purchases
• At least 1 direct deposit or ACH credit transaction
• Be enrolled in and agree to receive electronic statements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Disclaimers