Interest Rewards Checking
Pay nothing and get so much in return with free Interest Rewards Checking. Why settle for overdone "less for more?" Do better—pay absolutely no monthly service fee and get rewarded with incredible interest payouts.
And whether you're in Massachusetts or Montana, Interest Rewards customers enjoy ATM fee refunds* at ATM locations, nationwide. Take back your banking—one reward at a time—with a free account that works for you. Not the other way around.
- Free account, no monthly service fee
- Higher interest paid when monthly statement activity requirements are met
- Nationwide ATM fee refunds up to $15 ($5 per single transaction)*
- Can link to Saver Rewards
- No minimum balance to earn rewards
- Free online banking & bill pay
- Free mobile banking & mobile check deposit
- Free eStatements
- Free MasterCard® debit card
- Unlimited check writing
- $10 minimum deposit to open
- Please note the rate tiers and rates paid are set to change October 1st. Activity requirements remain the same, but the interest rate tiers will change, please see the account Truth in Savings disclosure for full details
Qualifying for rewards is so easy, you're probably already doing it! It's as simple as doing the following each monthly qualification cycle:
- Have at least 12 debit card purchases post and clear
- Have at least 1 ACH transactions (deposit or withdrawal)
- Receive free eStatements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning big interest and nationwide ATM fee refunds the very next month.
Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. ATM Fee reimbursements up to $15 provided only if qualifications are met within the monthly qualification cycle. The first monthly qualification cycle will auto qualify you to earn the rewards.
- Fees Alert!
Yeah, it's a "free account" but you may do some other stuff that could cause a fee.
Description Fee Stop Payment Fee
(for paper checks or electronic withdrawals)
$17.50 Overdraft/ NSF Fee
(We know, this is a sensitive one and we try to be generous in forgiving 1st time offenders and honest mistakes if you call and explain the situation to us. Plus we won't charge a fee if the purchase or resulting overdraft is $10.00 or less)
$25.00 Surcharge ATM Fee
(We don't charge these fees, the owners of other ATMs charge them for using their machine. Interest Rewards Checking and Tune Rewards Checking customers get up to $25 per statement cycle refunded if they meet the activity qualifications of their account. Really, it's pretty easy to qualify if you use the account as your primary account. Only US transactions qualify for refunds)
Varies Foreign ATM Fee
(This is the fee we charge when an ATM transaction is processed on a machine we don't own. Like we said above, if you meet the qualifications of your account you'll have all US ATM fees refunded up to $25 per month.)
$1.25 Returned Deposit Item
(This is a check that deposited into your account and then was returned to the bank for lack of funds - bounced!)
$4.75 Early Account Closure
(This is if you close your account within a certain period of time after opening it. Fees really don't come into play unless you recently received a promotional item and it's obvious you just starting banking with us to get the free gift. We really don't like that! See the specific terms with the different promotions for the exact fee.)