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Earn up to $20 per month with free checking that pays you for every signature debit card purchase.

Key Features

  • Up to $20 Monthly Cash Back on Debit Card Purchases
  • Free Account
  • No Monthly Service Fees
  • Free checking that pays you for using your debit card
  • Earn up to 20¢ for every signature debit card purchase to a maximum of $20 per month
  • Free payroll cash checking (up to $750 per payroll check)
  • Free basic check order per year
  • No monthly service fees
  • Unlimited check writing
  • Automatically receive Loyalty Rewards with higher combined deposit and loan balances
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free Cash Rewards Mastercard® EMV debit card with ID Theft Monitoring
  • Nationwide surcharge-free ATMs via the Allpoint® network
  • $10 minimum deposit to open

How to Earn Your Cash Rewards

Every time you use your debit card as a signature purchase, you earn a cash reward. The amount of each cash reward increases with additional accounts you have with the bank.

  • Cash Rewards Checking: 7¢
  • Savings Account with Direct Deposit: 3¢
  • Loan of at least $5,000: 10¢
  • Total possible with every debit purchase: 20¢

Welcome Kit!



Yeah, it's a "free account," but you may do some other stuff that could cause a fee.



Stop Payment Fee
(For paper checks or electronic withdrawals)


Overdraft/NSF Fee
(We know, this is a sensitive one and we try to be generous in forgiving first 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)


Surcharge ATM Fee
(We don't charge these fees; the owners of other ATMs charge them for using their machine. Cash Rewards Checking customers can use more than 50,000 surcharge-free Allpoint® ATMs, nationwide. Check out the convenient tool to locate Allpoint machines near your home and work.)


Foreign ATM Fee
(This is the fee we charge when an ATM transaction is processed on a machine we don't own. Cash Reward Checking accounts get 3 free per month, so use the freebies with the Allpoint network and you won't have any ATM fees!)

3 free per month then $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!)