Cha-CHING Ca$h Checking Account

This free checking account pays you really high interest — up to 2.01% APY* — just for banking with us. Plus, we'll refund your ATM fees nationwide.* Think about that. You get access to your cash from any ATM — without paying a fee!*


And, you can link up your Cha-CHING Ca$h account with Cha-CHING $aver to automatically transfer interest and refunds into your savings account.* Sock away cash each month — effortlessly.

Summary
  • 2.01% APY* on balances up to and including $10,000
  • 2.01% to 0.32% APY on balances over $10,000 depending on balance in the account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM fees nationwide* (up to $20 monthly)
  • Can link to high-interest Cha-CHING $aver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited check writing
  • $100 minimum deposit to open

Optional Services

Earning your rewards is easy:

To earn your rewards, simply do a few things each month that you'd probably do anyway — we call them qualifications:


  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatements
  • Have at least 1 automatic payment (ACH auto debit or bill pay) post and settle

If you don't qualify one month, there's still no monthly service fee and you can get back to earning high rates during the next monthly qualification cycle.


*APY=Annual Percentage Yield. APYs accurate as of 09/01/2014. Rates may change after account is opened. Minimum to open is $100 for Cha-CHING Ca$h and $100 for Cha-CHING $aver. For Cha-CHING Ca$h, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to and including $10,000 receive APY of 2.01%; and (3) balances over $10,000 earn .015% interest rate on the portion of the balance over $10,000, resulting in 2.01% - 0.32% APY depending on the balance. If qualifications are not met on Cha-CHING Ca$h all balances earn 0.01% APY. Qualifying transactions must post to and settle Cha-CHING Ca$h account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Cha-CHING Ca$h APY is based on compounding interest. Interest earned in Cha-CHING Ca$h is automatically transferred to Cha-CHING $aver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Cha-CHING Ca$h APY. The Cha-CHING $aver APYs may be less than Cha-CHING Ca$h APYs. Limit one account per SSN.