|Free Checking||Rewards Checking|
|Minimum Opening Deposit||$0||$0|
|Minimum Monthly Electronic Deposit1||$0||$5002|
|Earns Rewards Points||Check|
|Free Debit Card||Check||Check|
|Free ATM Access||Check||Check|
|Free Online Banking||Check||Check|
|Free Mobile Banking||Check||Check|
|Free Text Banking||Check||Check|
|Free First Box of Checks||Check||Check|
|Free Overdraft Protection3||Check||Check|
No monthly fee, direct deposit or minimum balance required. No catch – it's truly free!
Pays higher dividends than other checking accounts, with no minimum balance to earn dividends. There's no monthly fee, as long as you have eStatements and a monthly electronic deposit1 of at least $500. And, for every new Rewards Checking account opened, a tree will be planted through American Forests®. But the benefits don't end there… Rewards Checking is your exclusive ticket to earning Debit Rewards, which can be used toward travel, brand-name merchandise and more!
Plus, your Rewards Points will never expire!
ScoreCard Rewards Program
For each retail dollar you spend using your Visa Platinum Rewards card, you'll earn a point toward airfare, vacation packages or brand-name merchandise. Register with ScoreCard to check on your points and to view the catalog.
Basic Elements - Legal Text
1Direct Deposit, Payroll, ATM, Online Banking transfer, and Mobile Remote Deposit are considered electronic deposits made from the 25th of the previous month to the last day in current month. 2Monthly fee waived with eStatements & monthly electronic deposit of $500. $5 per month without eStatements; $5 per month without electronic deposit; $10 per month without either. 3Overdraft Protection from Savings or other accounts. 4Refer to our Membership Agreement for Courtesy Pay disclosure.
Rate Table: Checking & Savings
|Dividend Rate7||APY8||Compounding||Minimum Balance||Minimum Deposit|
|Fresh Start Checking||0.00%||0.00%||None||$0|
|Health Savings Checking||0.05%||0.05%||Monthly||$0||$50|
|Youth Super Saver9||0.22%||0.22%||Quarterly||$0|
|Holiday & Vacation Club10||0.22%||0.22%||Monthly||$0||$10|
Rates shown effective as of January 2, 2020
7Dividends are calculated on the Daily Balance Method for all accounts. 8APY = Annual Percentage Yield, and is based on the assumption that requirements will be met. Your statement will show the actual Annual Percentage Yield Earned (APYE). This may be different from the APY if the conditions are different from the above assumptions. Early withdrawal is subject to penalty on all Certificates. For example, if there are any fees, they could reduce the earnings on the account. 9Open to members under the age of 18. 10One scheduled distribution per year on both the Holiday Club and Vacation Club accounts - November 1 and June 1, respectively. Both accounts carry an early withdrawal fee of $15.