Checking Plans

Wise Rewards Checking

Each month you meet our simple qualifications, you’ll earn interest on the balance in your account.  Plus, if you use another bank’s ATM, we’ll automatically refund ATM fees.**

  • Earn 2.02% APY* on the balance in your account up to $15,000.00
  • Earn .35% APY on balances $15,000.00 and over.
  • Earn 0.10% APY even if your qualifications have not been met for the qualification cycle
  • ATM Fee Refunds** if qualifications have been met

Earning your rewards is free and easy.  Just meet these three simple qualifications each cycle: 

  • Have at least 10 debit card transactions*** post and clear per qualification cycle
  • Have at least 1 Automatic Payment or Direct Deposit post and clear per qualification cycle
  • Enroll and receive your statements electronically (valid email address required) 

That’s all there is to it!  If something happens and you can’t meet the qualifications one qualification cycle — don’t worry, you’ll still enjoy free checking and earn interest on your balance for that cycle. 

*APY=Annual Percentage Yield. APYs accurate as of 09/30/2012. Rates may change after account is opened.  Fees could reduce earnings. No minimum balance to open this account. If qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $25.00 and credited to account on the last day of monthly statement cycle if qualifications are met; (2) balances of $0.01 - $15,000 receive APY of 2.02%; and (3) balances $15,000 and over earn 0.35% interest rate on portion of balance $15,000 and over, resulting in an APY range of 2.02% -0.57% APY depending on the balance. If qualifications are not met, all balances earn 0.10% 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 the first day of the current statement cycle through the last day of the current statement cycle. ATM transactions are not qualifying debit card transactions. Limit one account per Social Security Number.
**ATM fee refunds up to $25 per cycle
***Pin based transactions do not count toward qualifying debit card purchases

Basic Checking

Basic Checking is just that, Basic!  Basic Checking is our FREE checking account that lets you enjoy these great benefits:

  • FREE eStatements
  • FREE Online Banking
  • No minimum balance required
  • No monthly service charge

Checking with Interest

Checking with Interest allows you to earn interest on the money in your checking account.

  • FREE eStatements
  • FREE Online Banking
  • Interest is paid on tiered balances
  • Unlimited check writing
  • $500.00 minimum balance required
  • $5.00 monthly service charge (applies only if balance drops below minimum required)

Student Checking

An account specifically designed for students with no balance requirements or monthly maintenance fees that is simple, convenient, and FREE!

  • FREE eStatements
  • FREE Online Banking
  • First box of checks FREE
  • Must supply proof of school enrollment
  • If student is under age 18, a parent or legal guardian must sign

Money Market

It’s savings. It’s checking! It’s a great account for those who want more. We’ve combined all the access of a checking account with the higher interest of a savings account.  The rates are tiered so the higher your balance, the higher the interest rate you will received.

  • FREE eStatements
  • FREE Online Banking
  • You may make six transfers from this account each four-week statement period.  These may be preauthorized or automatic transfers or telephone transers.  These transactions may also be made by check, draft, debit card, made by the depositor and payable to third parties. 
  • Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.
  • $2500.00 minimum balance is required to avoid service charge.
  • $15.00 monthly service charge (Applies only if balance drops below minimum balance required)