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Rewards Saver

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Earn a Higher Interest Rate When Qualifications Are Met in Rewards Checking

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  • When you open your Rewards Checking account, you automatically  qualify to open Rewards Saver
  • Earns 0.35% APY* on all balances if qualifications are met in your Rewards Checking Account each month.  Earns 0.05% APY* if qualifications are not met in Rewards Checking.
  • $100 minimum deposit to open
  • No monthly service charge
  • No minimum balance required to earn rewards
  • Interest and ATM fee refunds** automatically deposited into Rewards Saver
  • $20 fee if closed within 6 months of opening date
  • Additional free services available include:
    • Automatic transfers to and from checking account
    • Online banking, mobile banking, and mobile deposit
    • Text alerts*
    • eStatements

Three simple qualifications must be met each month to receive the qualified interest rate:  

  1. Conduct 12 or more debit card purchases 
  2. Set up at least 1 automatic payment or direct deposit 
  3. Enroll in eStatements

What if qualifications are not met?

If qualifications are not met, your Rewards Checking account will still function as a free account, and your Rewards Checking and Rewards Saver accounts will both earn 0.05% APY; however your Rewards Checking account will not receive ATM fee refunds for that time period. You may begin earning your rewards the very next month you qualify.  


*Annual Percentage Yield (APY) is accurate as of 12/1/2022. See Rate Sheet for more details. Must have Rewards Checking account to qualify to have Rewards Saver Account. No minimum balance is required to obtain the account's rewards. There are no recurring monthly service fees associated with this account. Fees may reduce earnings. When qualifications are met in your Rewards Checking account during the Monthly Qualification Cycle: Your Rewards Checking receives 0.51% APY on balances up to $15,000, and balances over $15,000 earn 0.10% APY on the portion of the balance over $15,000 resulting in a range from 0.51% APY – 0.15% APY depending on the balance. Your Rewards Saver receives 0.35% APY on all balances. **You receive reimbursements up to $25 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If qualifications are NOT met during the Monthly Qualification Cycle: All balances on your Rewards Checking and Saver accounts earn 0.05% APY and nationwide ATM fees are not reimbursed. Transactions and activities may take one or more business days from the date the transaction or activity occurred to post and settle to the account. See Rewards Checking for details. The Monthly Qualification Cycle and the Statement Cycle begin on the first business day of the month and end on the last business day of the month. If you have a Rewards Saver account linked to your Rewards Checking account, the interest does not compound in that account since it is transferred into the Rewards Saver account. The Rewards Saver APY may be less than the Rewards Checking APY.  There is a limit of 1 account per social security number. This account is not to be used for commercial purposes. Enrollment in electronic services (e.g. online banking, electronic statements) will be required to meet some of this account's qualifications. 
*Your mobile carrier's message and data rates may apply.