Simply meet the qualifications each qualification cycle with:
12 Visa debit card purchases posting to your account
1 direct deposit or ACH transaction posting to your account
Monthly electronic statements
Home Banking Activity
and the rewards are yours!

Personal Checking

Cash Rewards Checking
It's not hard to find a free checking account these days; just about every bank offers one. But we've got something even better!

With Cash Rewards Checking, you can get a free checking account that offers a great interest rate and ATM fee refunds nationwide with no monthly service fees. That's free money -- just for doing your usual banking activities!

Meet the simple everyday qualifications each month, and you'll automatically earn the rewards. And if you don't qualify one month, don't worry -- you still get unlimited free checking. You'll even earn our base rate of interest for that month... and you can always get the rewards back the next month!

Earn 3.03% APY¹ on balances up to $20,000
Earn 0.26% APY¹ on balances over $20,000
Earn base rate of 0.05% APY¹ if qualifications aren't met
ATM refunds³
No monthly service fees
Unlimited check writing
Free Debit Card²
Free Online Banking with Bill Pay
Free eStatements
$25 to open

So take free checking to the next level and start getting money back from your bank. We think you deserve it!
How to earn the rewards, 3 things you're probably already doing.
• Sign up for Direct Deposit
• Simply have 15 or more signature-based purchases posted within the monthly statement cycle
(Transactions at an ATM are not included)
• Sign up for eStatements

Signature vs. Pin transactions – the difference is important
Frequently Asked Questions



¹Annual percentage Yields (APY) accurate as of May 5, 2011. Rates and terms are subject to change without notice. Personal Accounts only within our local market area. Limit 2 accounts per household. ²Lost or stolen replacement fee may apply. ³ATM surcharge fees of up to $20 per statement cycle will be refunded if reward requirements are met.

Dividend Rewards Checking. The dividend rate and the corresponding annual percentage yield (APY) on your account will be as listed on the
current rate & fee schedule; determined by whether or not account qualifications have been met per monthly cycle. Qualifications per monthly
cycle are 12 debit card purchases, one direct deposit or ACH withdrawal and receipt of electronic statements. Qualifying transactions must post
to the account prior to the last day of the month. Debit card purchases can take up to 3 days to post and are dependent on merchant processing
times. If the requirements per qualification period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate.
Fees charged at U.S. ATM machines will be refunded if account qualifications are met for the monthly cycle the fee was charged in