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Checking

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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 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 4.00% 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 0.10% to 1.660% 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 dividends rates, 15 qualifying transactions must be performed during each statement cycle. 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 December 1, 2022. 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-promotional 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. Fees may reduce earnings.

High Interest Checking Account pays dividends using blended rate tiers meaning the stated dividend rate will be paid on the portion of the balance for each tier. The Annual Percentage Yield (APY) for Tier 1 is 2.00% on balances up to $20,000.00 and the Tier 2 APY ranges from 0.10% to 0.860% on balances from $20,000.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must be performed during each statement cycle. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Rates accurate as of December 1, 2022. All rates are variable and may change without notice 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.

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 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 4.00% 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 0.10% to 1.660% 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 dividends rates, 15 qualifying transactions must be performed during each statement cycle. 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 December 1, 2022. 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-promotional 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. Fees may reduce earnings.