Rates effective October 4, 2018

Scroll to the left to view the rest of the table.
Account Type Minimum Balance Required to Avoid Service Charge (minimum to open account) Monthly Service Charge Minimum Balance to Earn Interest 1 Interest Rate 2 APY 3 Additional Information
Basic Checking N/A $0 Non-Interest N/A N/A Checking account with no monthly service charges!
Wise Rewards Checking N/A $0
.01-$15,000.00 4

$15,000.01+ 4
Resulting in earning a rate range of 1.29% - .15% APY depending on the balance.
1.26%

.15%
1.29%

.15%
No Monthly Service Charge. No Minimum Balance required. Interest is paid on tiered balances if qualifications 4 are met. Nationwide ATM refunds up to $25 per month if qualifications 4 are met. Available to personal accounts only. If qualifications are not met, all balances earn .10% APY.
Checking with Interest $500.00 $5.00
$500.00 - 2,499.99
$2500+
.05%
.07%
.05%
.07%
Monthly service charge applies only if balance drops below minimum balance required.

Account must be opened with $500.
Student Checking N/A $0 Non-Interest
N/A N/A Online Banking. Touch Tone Banking, 1 free box of select checks, no montly fee Debit Card 5 . Must supply proof of school enrollment.
Money Market Checking $2,500.00 $15.00

Tier 1: $.01 - $24,999.99
Tier 2: $25,000 - $49,999.99
Tier 3: $50,000 - $74,999.99
Tier 4: $75,000 - $149,999.99
Tier 5: $150,000.00+

.16%

.30%

.39%

.47%

.55%

.16%

.30%

.39%

.47%

.55%
Monthly service charge applies only if balance drops below $2,500.

Account must be opened with $2,500.

All Checking Accounts Offer: Online Banking, Bill Payment Services, Electronic Statements (eStatements), Debit Card 5

Please see the Deposit Account Agreement & Disclosure for a listing of all terms and conditions. Fees could reduce earnings.

1/We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal balance to the account each day.

2/Interest Rates are subject to change after the account is opened.

3/APY=Annual Percentage Yield

4/Qualifications are as follows: at least one automatic (ACH) deposit or withdrawal, ten (10) debit card purchases, and enroll & receive electronic statements each qualification cycle. If qualifications are met each monthly qualification cycle, (1) you will earn an AP 1.29% on balances $.01-15,000: (2) balances over $15,000 earn an APY of 0.15% resulting in a range of 1.29%-.15% APY depending on the balance: (3) ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 and credited to the account on the last day of the monthly statement cycle. If qualifications are not met, all balances earn .10% APY. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and clear the account. "Monthly Qualification Cycle" means 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.
5/Platinum ATM/Debit MasterCard: Subject to approval.

Rates updated 5/10/18