Hi-Rewards Checking

Shoot for the sky with CD-like interest payouts that rise above plain-and-simple free checking. Hi-Rewards Checking delivers a premium rate on balances up to $50,000.

There's no minimum balance and no monthly service fee. In addition, tack on up to $25 in ATM fee refunds — when you use any ATM across the country!

  • Premium interest paid on full balance up to $50,000
  • Competitive, reduced rate paid on balances over $50,000
  • Base rate paid even if qualifications aren't met
  • Up to $25 in ATM fee refunds nationwide
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free initial Visa® check card
  • Free first box of checks
  • Unlimited check writing
  • Low $100 minimum deposit to open


Hi-Rewards Checking is free checking at its finest. Meet simple monthly qualifications to cash in. If you come up short, there's never a penalty fee. To bring home your full rewards, just do the following during each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatements
  • Maintain a valid e-mail address

Enrollment in online banking and/or electronic statements is required to meet certain qualifiers. Please contact us for details on how to enroll.

When Hi Reward Checking requirements are not met during the monthly qualification cycle, the interest rate is a BASE RATE (and corresponding annual percentage yield) and is paid on the average daily balance.

When the Hi Reward Checking requirements are met, the interest rate is the REWARD RATE (and corresponding annual percentage yield) on a tiered basis. Balances up to $50,000.00 pay the first tier bonus rate and balances of $50,000.01 and over earn the second tier bonus rate.

Please see the applicable rate sheet provided by your personal community banker at the time of account opening for specific language of the annual percentage yield calculation.

Monthly Qualification Cycle means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher Reward rate, you might notice a slightly higher than the Base rate APY earned on your statement due to the one day (the last day) being calculated with the higher Reward rate. The statement cycle for the Hi Reward Checking is the 10th of each month. If the 10th of the month falls on a weekend or bank holiday, the statement cycle is on the immediately preceding business day.

ATM Refunds:

When the account requirements are met each statement cycle, you will also receive up to $25.00 of ATM fee refunds per statement cycle! ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. If you believe that you have not been reimbursed the correct amount, please contact us. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.

**One Hi Reward Account per tax identification number.