What are the advantages of a High Interest Checking Account?
Get more from your money with a High Interest Checking Account.
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| High Interest Checking | Dividend Rate | APY |
|---|---|---|
| Balances up to $20,000 | 1.98% | 2.00% |
| Balances greater than $20,000 | 0.10% | 2.00% – 0.86%** |
| Non-Qualifying Rate | 0.05% | 0.05% |
High Interest Checking Account pays dividends using blended rate tiers meaning the stated dividend rate will be paid on the portion of the balance for each tier. The Annual Percentage Yield (APY) for Tier 1 is 2.00% on balances up to $20,000.00 and the **Tier 2 APY ranges from 2.00% to 0.86% on balances from $20,000.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. The statement cycle includes all transactions posted after the last business day of the prior month through the last business day of the current month. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Rates accurate as of April 1, 2026. All rates are variable and may change without notice at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.
Choose from three debit card options when you apply for your checking account: