| Rewards Checking | Community Checking(1) | Regular Checking | Interest Checking | |
|---|---|---|---|---|
| Minimum to Open | $100 | $100 | $100 | $100 |
| Online Banking with Bill Pay | Free-24/7 | Free - 24/7 | Free - 24/7 | Free - 24/7 |
| Electronic Statements | Available | Required | Available | Available |
| Debit Card | Required | Required | Available | Available |
| Telephone Banking | Free - 24/7 | Free - 24/7 | Free - 24/7 | Free - 24/7 |
| Interest Bearing | Yes | No | No | Paid Monthly |
| Additional Features | Option 1 - 2.00% APY(4) on balances up to $20,000 (0.03% APY(4) on balances over $20,000)(5) Option 2 - 2% cashback on debit card purchases (up to $25 per month)(4) ATM fees waived up to $10 per month(4) | Free teller service Unlimited ATM access Unlimited check writing | Free teller service Unlimited ATM access Unlimited check writing | Free teller service Unlimited ATM access Unlimited check writing |
| Minimum Balance Fee (per monthly statement cycle) | No minimum balance requirement | No minimum balance requirement | No Fee Applies with a $1,000 minimum balance(2) | No Fee Applies with a $1,500 minimum balance(3) |
(1) Direct Deposit, Debit Card and Electronic Statements are required.
(2) Monthly minimum balance fee of $10 applies if balance falls below $1,000.
(3) Monthly minimum balance fee of $10 applies if balance falls below $1,500.
(4) APY - Annual Percentage Yield. APY accurate as of 06/01/2021 and based on monthly compounding. Rates are subject to change without notice. Limit of one Rewards account per customer. If qualifications are met each monthly statement cycle: Domestic ATM fees incurred using Rewards Checking debit card during a monthly statement cycle will be reimbursed up to $10.00 and credited to account on the last day of monthly statement cycle; and (Option 1) daily balances up to $20,000 earn 2.00% APY and daily balances over $20,000 earn 0.03% APY on the portion of the balance over $20,000, resulting in 2.00% - 0.42% APY depending on account balance(5); or (Option 2) debit card purchases earn 2% cashback (up to a maximum reward of $25 each month statement cycle) and will be credited to your account on the last day of the monthly statement cycle (cashback is reported as interest earned). If qualifications are not met during the monthly statement cycle, then no rewards will be earned that month. Note that transactions are posted to your account when received and must post to your account during the monthly cycle to qualify for rewards. Transactions that have been initiated but not posted by the end of the cycle will not count as a qualifying transaction for that cycle but will count in the following cycle when they post. The first qualification cycle will begin on the date you open or convert to a Rewards Checking account and end on the last day of the monthly statement cycle. The qualification cycle will be monthly thereafter. If you close your account before the end of the monthly statement cycle, you will forfeit any rewards for that cycle. Fees may reduce earnings.
(5) APY range calculated on $100,000 balance.