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LOYALTY REWARDS CHECKING

The more rewarding interest checking account

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LOYALTY REWARDS CHECKING

Get the interest checking account with easy rewards.

Open a checking account that rewards you just for using your debit card, direct deposit or ACH. The more qualifiers you meet, the higher your interest rate. With Loyalty Rewards Checking, it pays to be loyal – literally.

Tiered interest rate rewards
Free online & mobile banking
Nationwide ATM fee refunds*
Low $5 monthly service charge
Free debit card
Free online statements
Unlimited check writing

Earn Easy Rewards

It’s easy to earn rewards with Loyalty Rewards Checking. Just enroll in eStatements and meet at least one of three monthly statement cycle qualifiers, no minimum balance required. Meet all three qualifiers and earn our premium Tier 3 interest rate. Don’t make it one month? No problem. You can still qualify and earn interest rewards the next month.

Monthly Statement Cycle Qualifiers

20 point-of-sale debit card transactions*
Direct Deposit (credit) or ACH Payment (debit) of $500 or more
Combined personal deposit/loan relationship of $25,000 or more**

*Must post and settle.

**Balances above $25,000 will earn the rate paid in the Basic Tier.

TIERED INTEREST RATE REWARDS

TIER	TIER QUALIFIERS	RATE	APY
Basic Tier	eStatement plus one qualifier met in monthly statement cycle for balances above $25,000	0.01%	0.01%
Tier 1	eStatement plus one qualifier met in monthly statement cycle for balances below $25,000	0.05%	0.05%
Tier 2	eStatement plus two qualifiers met in monthly statement cycle for balances below $25,000	0.20%	0.20%
Tier 3	eStatement plus three qualifiers met in monthly statement cycle for balances below $25,000	0.35%	0.35%

FREE ONLINE & MOBILE BANKING

Securely access your account and manage expenses 24/7.

NATIONWIDE ATM FEE REFUNDS

Receive refunds on ATM fees, up to $10/month.*

LOW $5 MONTHLY SERVICE CHARGE

Meet the monthly qualifiers, and we’ll waive it.

FREE ONLINE STATEMENTS

Get convenience and security without the paperwork.

EZ OVERDRAFT

Avoid inconvenience and fees with automatic transfers.

With Loyalty Rewards Checking, you can earn the following:

Tier 1 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 1 qualifier, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.

Tier 2 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 2 qualifiers, the interest rate paid on the entire balance will be 0.20% with an annual percentage yield of 0.20%.

Tier 3 – If your daily balance is $25,000.00 or less, the account is enrolled in eStatements via Online Banking, and you have met a minimum of 3 qualifiers, the interest rate paid on the entire balance will be 0.35% with an annual percentage yield of 0.35%.

Basic Tier – An interest rate of 0.01% will be paid only for that portion of your daily balance that is greater than $25,000.00. Depending on the balance in the account, the annual percentage yield for this tier will be 0.01%, assuming a maximum account balance of $100,000.

Annual Percentage Yields accurate as of 02/01/2021. Rates may change after the account is opened. To earn interest, you must be enrolled in eStatements and meet a minimum of one qualifier during the monthly statement cycle. Minimum to open a Loyalty Rewards Checking account is $50. There is no minimum balance requirement to earn interest or receive ATM fee refunds. If enrolled in eStatements and a minimum of one (1) qualifier is met each monthly statement cycle, nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $10 and will be credited to your account on the last business day each month. A service fee of $5.00 will be charged each monthly statement cycle unless the account is enrolled in eStatements and a minimum of one qualifier has been met. Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. Fees may reduce earnings. Personal accounts only. Limit one Loyalty Rewards account per household.