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Get back into the financial system — and even offset your monthly fee — with Online Rewards Checking.

Key Features

  • Up to $20 Monthly Cash Back on Debit Card Purchases
  • No Minimum Balance Requirements
  • Accessible checking for people who need a second chance
  • 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
  • $9.95 monthly service fee
  • 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 Cash Rewards Mastercard® EMV debit card with ID Theft Monitoring
    • Debit card cash rewards paid monthly to help you offset or eliminate your monthly fee
  • 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

Description

Fee

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

$9.95

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 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)

$25

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.)

Varies

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!)

$4.75