Premium Rate eChecking

Premium Checking Account

Premium Checking Account Perks

Earn more with our tiered system! The more you use your debit card each month, the higher your interest rate, helping maximize your earnings while managing everyday expenses.

Open a Premium Checking Account Now

 
Features Premium Checking

Free eStatements

Free - log in to Online Banking to enroll in eStatements. Click here for enrollment instructions.

Paper Statements

Included for $4.00 monthly fee - opt out of fee with eStatements

Debit Card

No Annual Fee - Waived withdrawal fees at non-owned ATMs. ATM surcharge fees from other banks may still apply. Debit Cards are required with the Premium Checking account.

Digital Banking

Available - Free

Account Opening Requirements

$1.00 initial deposit required. One Premium Checking account per primary owner.

Monthly Fee

None if Minimum Monthly Statement Cycle Requirements are met - $2.50 maintenance fee if Minimum Monthly Statement Cycle Requirements are not met. (At least 1 direct deposit per statement cycle and 10 Point-Of-Sale debit card transactions).

Interest Benefits

Balances $0.01 - $25,000.00

  • 10 - 19 debit card purchases - earns 2.25% APY*
  • 20 - 29 debit card purchases - earns 2.50% APY*
  • 30+ debit card purchases - earns 2.75 % APY*

Balances $25,000.01+ & Over

  • 10+ debit card purchases – earns 0.01% - 2.75% APY*

No interest (0.00% APY*) is earned during a month if the account does not meet the minimum monthly statement cycle requirements. Fees may reduce earnings. The monthly statement cycle is the last day of each month - if the last day would fall on a holiday or weekend the cycle would cut off the Friday prior to the last day of each month.

*APY=Annual Percentage Yield; rate may vary. APY accurate as of 02/03/25. Fees may reduce earnings. The monthly statement cycle is the last day of each month – if the last day would fall on a holiday or weekend the cycle would cut off the Friday prior to the last day of the month. 

**Minimum Monthly Statement Cycle Requirements - Minimum requirements must be posted and cleared within the monthly statement cycle. At least 1 direct deposit and 10 point-of-sale debit card transactions.

 

 

scrolltop