Earn cash back on everyday purchases made with your debit card — without getting nickel and dimed by fees.

Key Features

  • Cash Back^
  • No Monthly Maintenance Fee
  • Refunds on ATM Withdrawal Fees^
  • Free checking that pays you back
  • 3.00% cash back on debit card purchases^
    • No category restrictions on purchases
    • Cash back earned on up to $200 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
  • Unlimited refunds on ATM withdrawal fees, nationwide^
  • Link to Free Linked Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services, including:
    • Free online banking and bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free Mastercard® debit card
  • $100 minimum deposit to open
  • For ACH Transfer and Mobile Deposit limits, please click here

Easily Qualify For Your Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Cash Back checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive electronic statements

That's it. Even if you don't meet your qualifications during the cycle, your Free Cash Back checking account is still free. And you can get right back to earning your cash rewards the very next month!

Monthly Qualifications Report (PDF)

^When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Free Cash Back rewards will be credited to your Free Linked Saver account on the last day of the monthly statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

All accounts subject to credit approval. Other terms and conditions may apply. For more information, please contact a Banker at your local branch.

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