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  High Interest Checking Basic Checking Student Edge Checking
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Key Benefits

New accountholders enjoy 5.00% APY for 12 months on balances up to $20,0001

Eligible to earn dividends with only 15 qualifying transactions per statement cycle

Multiple overdraft protection options

First 40 checks FREE

No minimum balance requirements

Multiple overdraft protection options

First 40 checks FREE

For students ages 15 to 24

No minimum balance requirements

No overdraft fees
A Good Option If You

Want the flexibility of a traditional checking account while you earn dividends

Typically maintain a high daily balance

Use direct deposit, are 50 or older, or under age 25 — no monthly fee!

You don't want to have to maintain a minimum balance

Are a student that wants the flexibility of no minimum balance with the security of no overdraft fees

Want to teach your child how to manage their money
Annual Percentage Yield (APY)

5.00% APY on balances up to $20,000 for new accountholders during their 12 months1

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Unlimited Transactions
No Minimum Balance
Monthly Maintenance Service Charge

$0 when enrolled in estatements!

Otherwise, $5 per month

$0 if you set up direct deposit, maintain a balance of $10,000 in your Elements accounts, or are age 50 or older or under age 25

Otherwise, $5 per month

$0
No Overdraft Fees — —
First 40 Checks Free
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  1. 1 Promo 5 High Interest Checking (Promo HINT) is a High Interest Checking account with blended rate tiers, meaning the stated dividend rate will be paid on the portion of the balance for each tier. Tier 1 earns a promotional 5.00% fixed Annual Percentage Yield (APY) on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2 pays a blended APY ranging from 5.00% to 2.02% on balances from $20,000.01 to $50,000.00 and is variable and may change at any time without notice. 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 which is variable and may change at any time. Rates are accurate as of April 1, 2024. On the first day of the month following the account opening anniversary month, the Promo 5 High Interest Checking (Promo HINT) APY will automatically convert to the then current non-promotional High Interest Checking account APY which is variable and may change at any time without notice. Current High Interest Checking account holders, Promo 4 High Interest Checking account holders and those with any High Interest Checking accounts closed less than 180 days are not eligible. An existing High Interest Checking account cannot be converted to the Promo 5 High Interest Checking (Promo HINT) account. Limit one Promo 5 High Interest Checking (Promo HINT) account per person. Other qualifications may apply. Promotional offer may be discontinued 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.