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You can tell a lot by a name, but not everything. Center Rewards Checking pays you 3.30% APY* on balances up to $15,000 just for meeting a few easy qualifications. You also enjoy up to $25 ATM fee refunds per monthly qualification cycle!**  All this and more with no minimum balance requirements. Earning your rewards is so easy you're probably already doing it!


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  • Checking that pays high interest
  • 3.30% APY* on balances up to $15,000
  • 3.30% to 0.20% APY* on balances over $15,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Up to $25 ATM fee refunds per monthly qualification cycle**
  • No minimum balance to earn rewards
  • Free online banking
  • Free bill pay (with at least one monthly transaction)
  • Free mobile banking
  • Free eStatements
  • Free telephone banking
  • Free Visa® debit card
  • Nationwide surcharge-free ATM usage via the MoneyPass ATM Network
  • Unlimited monthly transactions
  • $50 minimum deposit to open

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It's so easy to qualify you're probably already doing it! To earn your rewards, just do the following transactions and activities in your Center Rewards Checking account during each Monthly Qualification Cycle:

  • Have at least one ACH direct deposit or one ACH automatic payment that posts and clears  per monthly qualification cycle.
  • Have at least 10 debit card purchasesof $10.00 or more that post and clear per monthly qualification cycle.  (Purchases that are under $10.00 will not count towards the 10 debit card purchases.  ATM-processed transactions do not count towards qualifying debit card transactions.)
  • Enroll and agree to receive electronic statements***

That's it. Even if you don't meet your qualifications during the cycle, your Center Rewards Checking account is still free.***  Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Qualification Cycle Dates

Minimum to open account is $50.00.  *Annual Percentage Yield (APY) accurate as of 05/15/2023. Rate tiers are as follows: 3.30% APY applies to balances of $.01 - $15,000 and 0.20% APY applies to balances over $15,000 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 3.30% APY to 0.20% 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-bank transfers do not count as qualifying transactions.

**Up to $25 ATM fee refunds per monthly qualification cycle only if qualifications are met within the monthly qualification cycle.

***$5 monthly fee if not enrolled in and receiving electronic statements.


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