Saving is best when it’s simple — grow your balance automatically, no monthly maintenance fee required.


Key Features

  • Competitive Interest
  • Automatic Savings
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirements
  • Free account that builds your savings effortlessly
  • Links to free Reward Checking account
  • Automatic transfers of Reward Checking earnings
  • 3.03% APY* on balances up to $100,000
  • 2.52% APY on balances over $100,000 depending on balance in account*
  • 1.26% APY* if qualifications are not met in Reward Checking
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services, including:
    • Free online banking
    • Free mobile banking with mobile deposit
    • Free eStatements
  • $100 minimum deposit to open**

It’s Easy to Earn Your Rewards

Qualifying for your Reward Checking rewards automatically qualifies you for the highest Real Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Reward Checking account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • At least one direct deposit, ACH credit, or ACH payment transaction
  • Be enrolled in and agree to review eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Overdraft Disclosures

*Minimum to open account is $100 for REALSaver. Annual Percentage Yield (APY) accurate as 9/1/2023. The advertised REWARDChecking APY is based on compounding interest. The interest earned in REWARDChecking is automatically transferred to REALSaver each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. The REALSaver APYs may be less than the REWARDChecking APYs. REALSaver rate tiers are as follows: 3.03% APY applies to balances of $0.01 - $100,000.00 and 2.52% APY applies to balances over $100.000.00 if qualifications are met during monthly qualification cycle on REWARDChecking. 1.26% APY applies to all balances if qualifications are not met on REWARDChecking. All balances will earn 3.03% APY – 2.52% APY if qualifications are met on REWARDChecking. Qualifying transactions must post and clear REWARDChecking during monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. Fees may reduce earnings. ATM Fee refunds (REWARDChecking account only provided only if qualifications are met within monthly qualification cycle.

**Opening deposit waived for minors (under 18) and full-time students.

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