• 0.75% APY* on qualifying balances
• 0.55% APY* if qualifications are not met
• Cash Back Checking's reward earnings and ATM fee refunds* automatically deposited into Cash Back Saver
• Interest compounded daily, paid monthly
• Higher interest rate earned when qualifications of Cash Back Checking met
• No minimum balance to earn premium interest
• No monthly fees
• Free OnLine Banking

Take a look at our rates!

Qualifications:

In order to receive cash back each monthly qualification cycle, simply do the following normal banking activities in your Cash Back Checking account:

• Have at least 10 debit card purchases post and clear
• Have at least 1 automatic payment (ACH) or direct deposit post and clear
• Receive your monthly statement electronically

If you don't qualify during a cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. You can get right back to earning rewards the next cycle you qualify.

Disclaimer:

Minimum to open account is $50.

* Annual Percentage Yield (APY) effective as of 1/20/2012. Cash Back Saver rate tiers are as follows: your Cash Back Saver account earns 0.75% on all balances when the qualifications are met on your linked Cash Back Checking account each monthly qualification cycle. When qualifications are not met each month, you still earn 0.55% APY and you can try to qualify for the higher rate again the next cycle. ATM Fee reimbursements provided only if qualifications are met during the monthly qualification cycle. If you have met your qualifications for the monthly qualification cycle, we will refund all ATM fees, whether imposed by us or a third party, for the monthly qualification cycle. Because of system limitations, we must calculate the amount of ATM fees imposed by others. To do that, we identify the amount of the ATM withdrawal and then we round that amount down to the nearest $5.00. We then subtract the rounded down amount from the amount of the withdrawal to calculate the amount of the surcharge. This calculation will not be accurate if the amount of the surcharge is equal to or greater than $5.00. Therefore, we will automatically refund only the fee amount in excess of $5.00, but we will refund the full amount if you present us with a receipt that shows the full amount of the fee. Full account disclosures available.