Veteran Rewards Checking

Financial Solutions designed for Veterans by Veterans

Key Features

  • High Interest
  • Refunds on ATM withdrawal fees*
  • No Monthly Service Fee
  • Free Digital Banking
Open an Account
  • Free checking that pays high interest
  • Balances up to $10,000 earn 2.01% APY*
  • Balances over $10,000 earn 0.15 interest rate on the portion over $10,000 which results in a blended APY of 2.01% to 0.32% APY*
  • If qualifications are not met, earn 0.01% APY* on all balances
  • Refunds on ATM withdrawal fees nationwide* (up to $20 monthly)
  • $50 minimum deposit to open
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing
  • One Free box of Patriotic checks annually

Optional Services:

Earning your cash rewards is easy.

So easy, in fact, you’re probably already doing it. The following transactions and activities must post and settle to your Veteran Rewards account during each Monthly Qualification Cycle:

  • At least 6 debit card purchases
  • At least 1 direct deposit

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.

Veterans can access our Unsung Hero Program for a $500 closing cost credit on a new PNB VA Mortgage.**

Open an Account

*APY=Annual Percentage Yield. APYs accurate as of 05/01/2026.  Rates may change after account is opened. Minimum to open is $50.  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, all balances earn 0.01% APY. Qualifying transactions must post to and settle 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 the third Wednesday of each month and ending one banking day prior to the close of the current statement cycle.  The advertised APY is based on compounding interest. Limit one account per SSN.  **$500 closing cost credit is not conditioned on opening this or any other deposit account.  Closing cost credit available only with a new PNB VA Mortgage; mortgage approval required.  Additional terms and restrictions apply. See banker for details.

Here, the Golden Rule still applies.