Phone: (910) 892-7187

Reward Checking

Get rewarded with 4.50% APY* and Nationwide ATM service charge refunds every month! This free high interest checking account has no balance requirements or monthly service charge, and Nationwide ATM service charge refunds means you can get cash in Dunn, Clayton, Raleigh, even outside North Carolina.

Summary

Get rewarded! This free high interest checking account has no balance requirements or monthly service charges, plus ATM service charge refunds nationwide.

4.50% APY* on balances up to $25,000
1.01% APY* on amount of balance over $25,000
Free ATM service charge refunds nationwide
No minimum balance
No monthly service charge
Free debit card
Free Online Banking with Bill Pay
Unlimited telephone banking
24-hour ATM access
Direct deposit available
Overdraft coverage available
FDIC insured
Opening deposit of $50

*APY = Annual Percentage Yield

Qualifications

To qualify for the Reward rate and Nationwide ATM service charge refunds, simply do the following everyday activities each statement cycle:

Make 10 debit card purchases
Make one direct deposit or ACH auto debit
Access Online Banking once

Foreign ATM service charges will not be refunded if the qualifications are not met

If you don't qualify for the rewards in a given cycle, you still earn our base rate of 0.10% APY* and get unlimited free checking. Plus, you can get the rewards back the very next month.

More Info

Annual Percentage Yield (APY) accurate as of 10/05/2009. Minimum to open account is $50. Rate tiers are as follows: 4.50% APY applies to balances of $.01 - $25,000 and 1.01% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 4.50% APY to 1.01% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. ATM nationwide refunds are automatically issued for amounts up to $4.99; amounts greater than $4.99 will be refunded upon presentment of receipt.