It’s just more rewarding to bank local. Earn really high dividends on your checking balance with this free account. Plus, access refunds on ATM withdrawal fees, nationwide*.

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Key Features

  • Really High Dividends
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Account Fees
  • Free checking that pays high dividends
  • 1.75% APY* on balances up to $25,000
  • 0.25 APY on balances over $25,000 depending on balance in account*
  • 0.10% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free Apple Pay and Google Pay
    • Free eStatements
  • Free MasterCard® debit card
  • $100 minimum deposit to open

How to Earn Your Rewards

Just do a few simple things you're probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your Umbrella Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit
  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*Qualification Information:

Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Umbrella Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit
  • Be enrolled in and agree to receive eStatements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.