This free checking account earns incredible interest at 4.11% APY* and refunds all ATM fees nationwide. No minimum to open and no minimum to earn interest. In a word: perfect.

• 4.11% APY* on balance up to $25,000
• 1.01% APY* on portion of balance over $25,000
• Unlimited ATM fee refunds nationwide
• No monthly maintenance fee
• No minimum balance requirement
• No minimum deposit requirement to open
• Online banking with Bill Pay available
• Simple qualifications

* APY = Annual Percentage Yield

Meet these three simple qualifications each statement cycle to earn your rewards:

• Make at least 10 debit card purchases
• Set up one direct deposit or authorize one ACH automatic payment
• Receive bank statements online

If you do not meet these requirements in a statement cycle, no problem.

Your checking account is still free. You will receive interest on your entire balance at standard rate of 0.25% APY*. You can automatically resume earning the premium 4.11% APY* and ATM fee refunds the following cycle.

* APY = Annual Percentage Yield. All rates are subject to change.

Annual Percentage Yield (APY) accurate as of 8/19/09. Rate tiers are as follows: 4.11% APY applies to balances of $.01 - $25,000 and 1.01% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.25% APY applies to all balances if qualifications are not met. All balances will earn 4.11% APY to 1.01% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.