MOST POPULAR High Interest Checking Overview Potential to earn dividends as high as 2.00% APY 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 View Rates 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) Read More Apply Now Or Call 1-800-621-2105 Continue Application Compare High Interest Checking Dividend Rate APY Balances up to $20,000 1.98% 2.00% Balances > $20,000 0.10% 0.10% Non-Qualifying Rate 0.05% 0.05% High Interest Checking Account Annual Percentage Yield (APY) effective as of January 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.