Personal Checking

Reward Checking

You and your money deserve to be rewarded. Reward Checking isn’t simply a shoebox to hold your money — it rewards you in ways that matter just for doing easy banking activities.

Your ATM fee refunds are unlimited in number, and are limited to $4.99 per ATM transaction fee1. Plus, get access to services like online banking and bill pay at no charge.

Summary
  • $100 minimum deposit to open
  • Interest earnings¹ paid in tiers as follows:
    • $0.01 to $10,000 
    • Over $10,000
    • If qualifications are not met, nominal interest paid on all balances
  • Your ATM fee refunds are unlimited in number, and are limited to $4.99 per transaction fee¹
  • Avoid the $15 monthly service fee by maintaining a $1,000 minimum daily balance or a $2,500 average daily balance per statement cycle
  • Unlimited monthly transactions
  • Link to Reward Plus Checking for extra rewards
  • Services provided at no charge:
  • MasterCard® Rewards Debit Card
  • Direct deposit available
  • Popmoney® available²
  • Account-to-account transfers available
  • Overdraft Privilege available up to $1,200³
  • One (1) Reward Checking Account allowed per customer

Earning Your Rewards is Easy!

You qualify¹ when, in each qualification statement cycle, you perform the following transactions and activities:

  • Ten (10) or more debit purchases are posted and cleared to your account
  • A least one (1) Direct deposit OR one (1) ACH Auto Debit posted and cleared your account
  • Log in to Online Banking at least once
  • Maintain e-Statements

Qualification cycles end one day prior to the 3rd Wednesday of each month. A schedule of qualification cycle dates can be found under "Qualification Dates" on this page.


Qualification Dates
Monthly Qualification Cycle Completion Date Monthly Qualification Cycle Beginning Date
January 19, 2016 January 20, 2016
February 16, 2016 February 17, 2016
March 15, 2016 March 16, 2016
April 19, 2016 April 20, 2016
May 17, 2016 May 18, 2016
June 14, 2016 June 15, 2016
July 19, 2016 July 20, 2016
August 16, 2016 August 17, 2016
September 20, 2016 September 21, 2016
October 18, 2016 October 19, 2016
November 15, 2016 November 16, 2016
December 20, 2016 December 21, 2016

¹If you do not meet the minimum qualifications per monthly qualification cycle your account will still function as a standard checking account; however, it will not receive ATM fee refunds and a lower interest rate will be applied to your entire balance for that time period. Your ATM fee refunds are unlimited in number, and are limited to $4.99 per transaction fee. Fees may reduce earnings. We may change the interest rate and APY at any time after the account is opened. No minimum balance is required to earn the Annual Percentage Yield; however, you must deposit a minimum of $100 to open this account. Available to personal accounts only. Only one (1) Reward Checking and one (1) Reward Plus Account per customer. The Annual Percentage Yield (APY) disclosed on the Reward Checking account assumes that interest earned in the Reward Checking compounds. However, by choosing to have the Reward Plus linked to Reward Checking, you understand that the interest earned in your Reward Checking is automatically transferred into your Reward Plus account at the end of the statement cycle, and therefore, does not remain in your Reward Checking account, and does not compound. Additionally, you understand that the interest amount earned in Reward Plus account may be less than the interest amount earned in the Reward Checking account. Interest rates will be paid only for that portion of your daily balance that falls within each range. The annual percentage yield will range depending on the balance in the account. For example, a Reward Checking Account (that meets its monthly qualification – see Account Information Guide for details), with a balance of $12,000 will be paid the following. $10,000 will accrue at one rate and the remaining balance of $2,000 will accrue at another rate - creating a blended rate. Monthly Qualification Cycle means a period ending one day prior to the 3rd Wednesday of each month as of 8:00 PM (CST). Reward Plus rate may change after the account is opened. Fees may reduce earnings.

²Bill Payment is offered at no additional monthly or transaction cost unless you choose expedited processing which is billed at $14.95 per transaction. Please consult your enrollment agreement or an account representative for changes that may apply. Popmoney® transactions are billed for delivery times of: $0.50 for 3 days; $1.00 for next day; $3.00 for instant payment; and $1.00 for request payment.

³Overdraft Privilege: Certain restrictions apply - please refer to the Bank’s Overdraft Privilege (ODP) Service Agreement for full details. A $32.00 fee will be charged for each non-sufficient fund item. You may be charged up to five overdraft items or $160 per day from your checking account if you do not have sufficient funds to pay items that are presented on your account for payment. We will charge our normal overdraft fee or returned item fee whether or not we approve an overdraft item for payment or return it unpaid. The categories of transactions for which an overdraft may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means. A daily overdraft charge of $5.00 will be assessed beginning the 4th business day and each thereafter up to 30 business days or until the account is brought to a positive balance. Customers are encouraged to contact the bank to make arrangements to make their account current so that the daily fee will be discontinued. Overdraft privilege is a discretionary service for which you must "opt-in" and does not obligate the Bank to pay your non-sufficient fund item. You may "opt-out" of Overdraft Privilege at any time. The complete Overdraft Privilege (ODP) Service Agreement was provided to you when you "opted in" to the service and you can revoke your participation at any time by calling 800-460-6634 – Option 0. You may access the full Agreement now.