vivyip

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.