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Checking Overview
Feature:
Interest Bearing
FREE REWARD Checking:
Yes (1)
Free Cash Back Checking:
No
FREE REWARD Checking:
- 2.00% APY* on balances up to $10,000
- 2.00% to 0.15% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
Free Cash Back Checking:
- 4% cash back on debit card purchases **
- No category restrictions on purchases
- Cash back earned on up to $200 in purchases monthly
- Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)
Cornerstone Checking:
- 2 Boxes Personal Checks Free per Year
- No Fee for Personal Money Orders
FREE REWARD Checking:
Yes
Free Cash Back Checking:
Yes
Feature:
Minimum Balance required to avoid a Service Charge
FREE REWARD Checking:
None
Free Cash Back Checking:
None
Cornerstone Checking:
If Average Balance falls below $500, a service charge of $5
Cornerstone Plus:
If Daily Balance falls below $1,000, a service charge of $5
Feature:
Electronic Statement
FREE REWARD Checking:
Required with Images
Free Cash Back Checking:
Required with Images
Free Checking:
Yes with Images
Cornerstone Checking:
Yes with Images
Cornerstone Plus:
Yes with Images
FREE REWARD Checking:
N/A
Free Cash Back Checking:
N/A
Free Checking:
Yes without Images
Cornerstone Checking:
Yes with Images
Cornerstone Plus:
Yes with Images
Feature:
Free Online Banking & Bill Pay
FREE REWARD Checking:
Yes
Free Cash Back Checking:
Yes
Cornerstone Checking:
Yes
FREE REWARD Checking:
Yes
Free Cash Back Checking:
Yes
Cornerstone Checking:
Yes
Feature:
Minimum Deposit to Open
FREE REWARD Checking:
$50
Free Cash Back Checking:
$50
Cornerstone Checking:
$50
1) Restrictions apply. Account holder must qualify to receive higher interest rate up to $10,000. Tiered interest rates with blended APY. Base interest rate paid on non-qualifying account. Monthly qualification cycle ends one day prior to the monthly statement cycle. Receiving an e-statement, via Online Banking, required to open and maintain the account.
*
APY=Annual Percentage Yield. APYs are accurate as of 11/24/20. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.32% -2.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear an account.
“Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Qualifications for the account include having at least one ACH credit or debit post and clear and have at least 12 debits card post and clear account during monthly qualification cycle. The advertised Reward Checking APY is based on compounding interest. The actual interest paid may be less than the advertised APY. Intra-bank transfers do not count as qualifying transactions. ATM transactions do not count towards monthly debit card purchases. Rates may change after account is opened. Limit one account per social security number.
**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions and transfers between accounts do not count toward earning account rewards.
Reward Information: When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on and up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20, for nationwide internal and external ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened.
Additional Information: Receipt of electronic statements via Online Banking is required, 12 debit card purchases post and settle, and at least one ACH credit or debit are qualifications of this account. Limit one (1) account per individual taxpayer identification number.