YOUR GO-TO CHECKING ACCOUNTS FOR GETTING AHEAD
- Essential Checking
- FirstRewards Checking
- Interest Checking
- Swipe Smart Checking
- USA Checking for Seniors
INTEREST CHECKING
A higher rate of tiered interest turns deposits into assets.
Interest Checking offers tiered interest if certain requirements are met. Ask your banker how you can gain interest and momentum towards your financial goals.
FEATURES
Tiered interest rate on deposits- Free Mobile Banking
- Free Online Banking with Bill Pay
- Free Debit Card
- Unlimited check writing
- Monthly imaged eStatements
$1000.00 with a $1000.00 monthly minimum balance required.
Tier 1: Daily balance $0.00-$999.99 earn an interest rate of 0.00% with an annual percentage yield (APY) of 0.00%
Tier 2: Daily balance $1,000.00 to $9,999.99 earn an interest rate of 0.41% with an APY of 0.41%
Tier 3: Daily balance $10,000.00 to $24,999.99 earn an interest rate of 0.41% with an APY of 0.41%
Tier 4: Daily balance $25,000.00 to $49,999.99 earn an interest rate of 0.45% with an APY of 0.45%
Tier 5: Daily balance greater than $50,000.00 and above earn an interest rate of 0.50% with an APY of 0.50%
Monthly Service Charges
- No monthly fees unless your collected balance falls below $1,000. If below $1,000 then $8.
- Minimum balance of $1,000 is required to accrue interest.
At our discretion, we may change the interest rates for this account.
This account is only available to consumers. To open this account, you must deposit a minimum of $1,000. A minimum balance fee of $8 will be imposed every month if account balance falls below $1,000 any day of the month. You may make an unlimited number of deposits into your account. Check writing is unlimited with no per check fee assessed. Rate Information– The interest rate and annual percentage yield for your account depends upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day. Tier 1- Balances of $0.00 to $999.99 earn an interest rate of 0.00% with an annual percentage yield (APY) of 0.00%. Tier 2- Balances of $1000.00 to $9,999.99 earn an interest rate of 0.41% with an APY of 0.41%. Tier 3- Balances of $10,000.00 to $24,999.99 earn an interest rate of 0.41% with an APY of 0.41%. Tier 4- Balances of $25,000.00 to $49,999.99 earn an interest rate of 0.45% with an APY of 0.45%. Tier 5- Balances of $50,000.00 and above earn an interest rate of 0.50% with an APY of 0.50%. Applicant must be 18 years of age or older to open an account. Applicants under the age of 18 applying for a checking account must have an adult co-owner (18 years of age or older) on the account. Rates are subject to change. APY is accurate as of 03/25/2024. Fees may reduce earnings.
As soon as you activate your debit card, our debit card fraud alert system keeps an eye on your transactions. If we see something unusual, we will ask you to confirm the purchase. You get a text asking if you made the purchase. You reply with a text back. It’s simple, quick and easy.
7 am – 4 pm CST Saturday Call 1-800-413-4211