Compare Our Accounts
Interest Rewards Checking
Interest Rewards Checking
A free checking account with no minimum balance or monthly service fee that also earns interest and ATM surcharge refunds when qualified.*
Our best account
Elite Checking
Earn high interest, debit card cash rewards, and ATM surcharge refunds. Account is designed for customers that have at least $100,000 in combined loan and deposit balances or a $25 monthly service charge applies
Promotion
$300*
Monthly Maintenance Fee
NA
ATM Surcharge Fees
Free at WSB locations; Nationwide surcharge free access to 50,000+ Allpoint ATM locations
Free Online & Mobile Banking Access
Yes
Free Debit Card
Yes
Minimum Opening Deposit
$10
Promotion
$300*
Monthly Maintenance Fee
NA
ATM Surcharge Fees
Up to $15 refunded monthly when qualified*
Free Online & Mobile Banking Access
Yes
Free Debit Card
Yes
Minimum Opening Deposit
$10
Promotion
$300*
Monthly Maintenance Fee
$25 if combined loan and deposits fall below $100,000
ATM Surcharge Fees
Up to $50 refunded monthly
Free Online & Mobile Banking Access
Yes
Free Debit Card
Yes
Minimum Opening Deposit
$10
Interest Rewards Checking:
*Annual Percentage Yield (APY) accurate as of 11/22/2021. Certain restrictions may apply. Rates may change after the account is opened. Fees may reduce earnings. No monthly service charge. Minimum opening deposit $10. Interest Rewards Checking rate tiers, when statement cycle qualifications are met, are as follows: 0.20% APY applies to balances of $0-$10,000, 0.20%-0.10% APY applies to balances $10,000.01 - $20,000, 0.20%-0.10% APY applies to balances greater than $20,000. If qualifications are not met, all balances will earn 0.01% APY and ATM refunds will not apply, but the account will still function as a free checking account. Qualifying ACH transactions must be to/from a 3rd party. Qualifying Debit card purchases must post and clear in the Statement cycle.
Elite Checking:
*Annual Percentage Yield (APY) accurate as of 01/30/2026. Certain restrictions apply. Rates may change after the account is opened. Fees may reduce earnings. $25 monthly service charge of combined deposit and loan balances are below $100,000.00. Minimum opening deposit $10. Debit card cash rewards applies to Debit Mastercard® signature purchases made by phone, online, in person or by mail and are paid monthly. Elite Checking rate tiers on all balances will earn 2.00% APY. Member FDIC Member DIF. All deposits insured in full.