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Perks Checking

Free Checking That Pays

Who says perks are just for credit cards? Our Perks Checking account lets you earn as you spend.

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  • The checking account loaded with PERKS

    Enjoy our newest checking account – packed with benefits to help you make the most of your money.

    Experience financial freedom with our Perks Checking Account. With no monthly fees and the opportunity to earn higher dividend rates, you’re in complete control. Plus, accessing your money is a breeze. Enjoy free online and mobile banking, and access to our nationwide ATM network!

    • Save: no monthly maintenance fees
    • Earn: enjoy higher dividends on  balances
    • Spend: free debit card, access to thousands of free ATMs nationwide
    • Manage: free online banking, mobile banking, bill pay, and eStatements
  • Rates


    Perks Checking

    Account BalancesRateAPY
    $0.00 to $10,0002.765%2.80%
    $10,001 and Over0.10%0.10%

    The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
    APY = Annual Percentage Yield

  • Frequently Asked Questions

    Earning rewards is simple. You’ll simply need to meet these qualifications for your linked Perks Checking account:


    – Have at least 15  debit card purchases post and settle

    – Have at least 1 direct deposit or automatic payment (ACH) debit or credit post and settle

    – Receive monthly eStatements


    For more information or if you have a question, please get in touch with us.

    Contact Us

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Related Resources

*APY=Annual Percentage Yield. APYs accurate as of 11/01/2020. Rates may change after account is opened. For PERKS Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to a maximum of $10 per month and credited to account the following month; (2) balances up to $10,000 receive 2.80% APY; and (3) balances over $10,000 earn 0.10% APY on portion of balance over $10,000.  If qualifications are not met for PERKS Checking, all balances earn 0.10% APY. Qualifying transactions must post to and settle PERKS Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. “Monthly Qualification Cycle” means a calendar month. The advertised PERKS Checking APY is based on compounding dividends. Actual dividend amount paid may be less than advertised PERKS Checking APY. The PERKS Savings APYs may be less than PERKS Checking APYs. If qualifications in PERKS Checking are met each monthly qualification cycle: (1) all balances in PERKS Savings receive an APY of 0.55%. If qualifications are not met on PERKS Checking, all balances in PERKS Savings earn 0.10% APY. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Limit one account per SSN. Commercial accounts may not participate in this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.