Personal Checking

Reward Checking

You and your money deserve to be rewarded. Reward Checking isn’t simply a shoebox to hold your money — it rewards you in ways that matter just for doing easy banking activities.

Earn competitive interest and ATM fee refunds up to $4.99 per ATM transaction.1 Plus, get access to services like online banking and bill pay at no charge.

  • $100 minimum deposit to open
  • Features competitive interest to boost your balance¹
    • 0.75% APY on balances up to $10,000
    • 0.15% APY on balances greater than $10,000
    • 0.01% APY if qualifications are not met or paper statements are requested
  • ATM fee refunds up to $4.99 per ATM/debit transaction¹
  • Avoid the $15 monthly service fee by maintaining a $1,000 minimum daily balance or a $2,500 average daily balance per statement cycle
  • Unlimited monthly transactions
  • Link to Reward Plus Checking for extra rewards
  • Services provided at no charge:
  • StarCard debit card
  • Direct deposit available
  • Popmoney® available²
  • Account-to-account transfers available
  • Overdraft Privilege available up to $1,200³

Earning Your Rewards is Easy!

You qualify¹ when, in each qualification statement cycle, you perform the following transactions and activities:

  • 10 debit card purchases post and clear to your account
  • At least 1 direct deposit OR 1 ACH auto debit posts and clears to your account
  • A minimum of one login to online or mobile banking
  • You agree to receive eStatements

Qualification cycles end one day prior to the 3rd Wednesday of each month. A schedule of qualification cycle dates can be found under "Qualification Dates" on this page.

Qualification Dates
Monthly Qualification Cycle Completion Date Monthly Qualification Cycle Beginning Date
January 19, 2016 January 20, 2016
February 16, 2016 February 17, 2016
March 15, 2016 March 16, 2016
April 19, 2016 April 20, 2016
May 17, 2016 May 18, 2016
June 14, 2016 June 15, 2016
July 19, 2016 July 20, 2016
August 16, 2016 August 17, 2016
September 20, 2016 September 21, 2016
October 18, 2016 October 19, 2016
November 15, 2016 November 16, 2016
December 20, 2016 December 21, 2016

¹APY=Annual Percentage Yield. If you do not meet the minimum qualifications per monthly qualification cycle your account will still function as a standard checking account; however, it will not receive ATM fee refunds and a lower interest rate will be applied to your entire balance for that time period. Your ATM fee refunds are unlimited in number, and are limited to $4.99 per transaction fee. Rates effective as of the monthly qualification cycle beginning July 18, 2013. Fees may reduce earnings. We may change the interest rate and APY at any time after the account is opened. No minimum balance is required to earn the Annual Percentage Yield; however, you must deposit a minimum of $100 to open this account. Available to personal accounts only. Only one (1) Reward Checking and one (1) Reward Plus Account per customer. The Annual Percentage Yield (APY) disclosed on the Reward Checking account assumes that interest earned in the Reward Checking compounds. However, by choosing to have the Reward Plus linked to Reward Checking, you understand that the interest earned in your Reward Checking is automatically transferred into your Reward Plus account at the end of the statement cycle, and therefore, does not remain in your Reward Checking account, and does not compound. Additionally, you understand that the interest amount earned in Reward Plus account may be less than the interest amount earned in the Reward Checking account. Interest rates will be paid only for that portion of your daily balance that falls within each range. The annual percentage yield will range depending on the balance in the account. For example, a Reward Checking Account (that meets its monthly qualification – see specific account for details), with a balance of $12,000 will be paid the following. $10,000 will accrue at a rate of 0.75% and the remaining balance of $2,000 will accrue at 0.15%. Monthly Qualification Cycle means a period ending one day prior to the 3rd Wednesday of each month as of 8:00 PM (CST). Reward Plus rate may change after the account is opened. Fees may reduce earnings.

²Bill Payment is offered at no additional monthly or transaction cost unless you choose expedited processing which is billed at $14.95 per transaction. Please consult your enrollment agreement or an account representative for charges that may apply. Popmoney® transactions are billed for delivery times of: $0.50 for 3 day; $1.00 for next day; $3.00 for instant payment; and $1.00 to request payment.

³Overdraft Privilege is a discretionary service and is generally limited to an amount indicated by your product disclosure. You must choose to participate in this service by "opting in." If you are already participating in Overdraft Privilege, your limit will not change. Our normal fees and charges include our published overdraft fee or returned item fee as set forth in our fee schedule at $32. You may be charged up to five overdraft items or $160 per day from your checking account if you do not have sufficient collected funds to pay items that are presented on your account for payment. We reserve the right to require you to pay your outstanding overdraft (negative) balance, including fees we assess on your account, immediately or upon demand. We will charge our normal overdraft fee or returned item fee whether or not we approve an overdraft item for payment or return it unpaid. The complete Overdraft Privilege (ODP) Service Agreement was provided to you when you "opted in" to the service and you can revoke your participation at any time by calling 800-460-6634 – Option 0. You may access the full Agreement now.