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Center Rewards Checking

Center Rewards Checking

Free, 2.02% APY* interest, ATM fee refunds nationwide, no minimum balance.


This free checking account earns incredible interest at 2.02% APY* and refunds all ATM fee refunds** nationwide. No minimum to earn interest. In a word: perfect.

  • 2.02% APY* on balances up to $10,000 when qualifications are met
  • 0.05% APY* on entire balance when qualifications are not met
  • Unlimited ATM fee refunds nationwide**
  • No monthly maintenance fee
  • No minimum balance requirement to earn rewards
  • Online banking with Bill Pay available
  • Simple qualifications

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

  • Have at least 10 debit card purchases that post and clear per monthly qualification cycle (ATM-processed transactions do not count towards qualifying debit card transactions)
  • One ACH direct deposit or one ACH automatic payment that posts and clears per monthly qualification cycle
  • Enroll and receive electronic statements

If you do not meet these qualifications in a monthly qualification cycle, no problem. Your checking account is still free. You will receive interest on your entire balance at the base rate of 0.05% APY*. You can automatically resume earning the premium 2.02% APY* and ATM fee refunds nationwide the following cycle when you qualify.

*Annual Percentage Yield (APY) accurate as of 05/16/2013. Rate tiers are as follows: 2.02% APY applies to balances of $.01 - $10,000 and 0.34% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. 0.05% APY* applies to all balances if monthly qualifications are not met. All balances will earn 2.02% APY to 0.34% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‚Äźbank transfers do not count as qualifying transactions. **Unlimited ATM fee refunds nationwide only if qualifications are met within the monthly qualification cycle. Minimum to open account is $50.00

***Please note, you will need to finalize the account opening process by coming into one of our bank locations.