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Get back into the financial system — for a small monthly fee — with Online Rewards Checking.

Key Features

  • Debit Card & Checks
  • No Minimum Balance Requirements
  • Accessible checking for people who need a second chance
  • $14.95 monthly service fee
    • Convert to a free checking plan after a year of satisfactory account history
  • Discount order of starter checks available
  • No harsh CheckSystems® requirements
  • No minimum balance requirements
  • No deposit fees
  • No withdrawal fees
  • Free digital banking services, including:
    • Free online banking & bill pay with budgeting tools
    • Free mobile banking with mobile deposit (mobile deposit only available with direct deposit after 3 months; view FAQ for details)
    • Free eStatements (required to open and maintain the account)
  • Free Mastercard® EMV debit card with ID Theft Monitoring
  • Nationwide surcharge-free ATMs via the Allpoint® network
  • $10 minimum deposit to open

Qualification Requirements

  1. We can confirm your identity.
  2. No fraud or criminal activity in your banking background.
  3. Limited previous account charge-offs of $2,000 or less.
  4. Direct deposit from a payroll or government source is required.

Learn More

Visit our FAQ page for answers to common questions. If you’d like to learn more, please contact us.

Current Account Contract & Disclosures 

New Account Welcome Kit



Monthly Maintenance Fee
(These accounts require extra monitoring for fraud. Convert to a free account after 1 year of satisfactory history.)


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!)