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We give back to our communities in more ways than one — including with checking that pays.


Key Features

  • High Interest
  • Refunds on ATM withdrawal fees*
  • No Monthly Service Fee
  • Free Digital Banking
  • Free checking that pays high interest
  • 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 withdrawal fees nationwide* (up to $20 monthly)
  • Can link to high-interest Cha-CHING $aver account
  • $100 minimum deposit to open
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • Free first box of checks

Optional Services:

Earning your cash rewards is easy.

So easy, in fact, 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 Cha-CHING Ca$h account during each Monthly Qualification Cycle:

  • At least 1 bill pay or ACH payment transaction(s)
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements via online banking

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 0.15% 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.

Here, the Golden Rule still applies.