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High Interest Checking

Overview

  • Special Offer for New Accountholders Only — Earn 4% APY for 12 Months on balances up to $20,0001
  • Unlimited transactions
  • Debit card
  • Elements Visa® debit card offers control, security, and convenience of paying at retailers with a tap, a swipe, or a chip

A Good Option If:

  • You want the flexibility of a traditional checking account while you earn dividends
  • You maintain a high average daily balance
  • Trade-off: Requires 15 qualifying transactions each statement cycle (such as using your debit card)
High Interest Checking Dividend Rate  APY 
Promo HINT Rate for 12 Months for New Accountholders on Balances up to $20,000 3.92% 4.00%
Balances up to $20,000 1.98% 2.00%
Balances > $20,000 0.10% 0.10%
Non-Qualifying Rate 0.05% 0.05%

Promo High Interest Checking (Promo HINT) is a High Interest Checking with a promotional 4.00% fixed Annual Percentage Yield (APY) accurate as of April 25, 2022, on balances up to $20,000 and 0.10% APY on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Promo HINT APY is fixed for 12 months from account opening date. On the first day of the month following the account opening anniversary month, the Promo HINT APY will automatically convert to the then current non-pro- motional High Interest Checking account APY which is variable and may change at any time without notice. Current High Interest Checking account holders and those with High Interest Checking accounts closed less than 180 days are not eligible. An existing High Interest Checking account cannot be converted to the Promo HINT. Limit one Promo HINT 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. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings.

High Interest Checking Account Annual Percentage Yield (APY) effective as of May 1, 2022, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000 and 0.10% on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings.

Overview

  • No minimum balance
  • Unlimited transactions
  • Elements Visa® debit card offers control, security, and convenience of paying at retailers with a tap, a swipe, or a chip

A Good Option If:

  • You 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
  • Trade-off: Account earns no interest

Overview

  • For students ages 15 to 24
  • No minimum balance
  • No overdraft fees
  • Unlimited transactions
  • Elements Visa® debit card offers control, security, and convenience of paying at retailers with a tap, a swipe, or a chip

A Good Option If:

  • You are a student that wants the flexibility of no minimum balance with the security of no overdraft fees
  • You want to teach your child how to manage their money
  1. 1 Promo High Interest Checking (Promo HINT) is a High Interest Checking with a promotional 4.00% fixed Annual Percentage Yield (APY) accurate as of April 25, 2022, on balances up to $20,000 and 0.10% APY on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Promo HINT APY is fixed for 12 months from account opening date. On the first day of the month following the account opening anniversary month, the Promo HINT APY will automatically convert to the then current non-pro- motional High Interest Checking account APY which is variable and may change at any time without notice. Current High Interest Checking account holders and those with High Interest Checking accounts closed less than 180 days are not eligible. An existing High Interest Checking account cannot be converted to the Promo HINT. Limit one Promo HINT 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. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings.