Personal Checking Comparison Chart

AccountSimply Rewards Checking - CashSimply Rewards Checking - TunesSimply Checking
Apply Now Apply Now Apply Now
Rewards
  • Earn 2.01% APY* on balances up to $10,000
  • Earn 2.01% to 0.64% APY* on blanaces above $10,000 depending on balance in account*
  • Earn 0.05% APY* when you don't meet the monthly qualifications
  • Earn Apple iTunes and Amazon.com refunds**
  • $15 in refunds at signup**, 60-day expiration
  • Earn $5 in refunds per month**, 30-day expiration
None
Monthly FeeNoneNoneNone
Statement FeeFree eStatementsFree eStatementsFree eStatements; $5 for paper statements
Free ATM's?Yes*Yes**Access to 50,000+ surcharge-free Allpoint ATM's nationwide
Free Online Banking, Free Bill Pay, Free Debit CardYesYesYes
Minimum Opening Deposit$100 $100 $100
Qualifications
  • Initiate at least one preauthorized ACH debit per monthly qualification cycle*
  • Have at least 15 debit card transactions post and settle per monthly qualification cycle*
  • Be enrolled and receive a monthly eStatement"
  • Have at least 15 debit card transactions post and settle per monthly qualification cycle**
  • Be enrolled and receive a monthly eStatement
None

All accounts subject to credit and eligibility approval.


*APY=Annual Percentage Yield. APYs accurate as of 5/2/16. Rates may change after account is opened. Minimum to open is $100 for Simply Rewards Checking – Cash. For Simply Rewards Checking – Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 maximum per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.01%; and (3) balances over $10,000 earn 0.50% interest rate on the portion of the balance over $10,000, resulting in 2.01% - 0.64% APY depending on the balance. If qualifications are not met on Simply Rewards Checking – Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Simply Rewards Checking – Cash 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. Actual interest amount paid may be less than advertised Simply Rewards Checking – Cash APY. Monthly direct deposit required to have this account. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.


**The minimum to open account is $100. You will be refunded up to $15 for iTunes® and/or Amazon.com® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Simply Rewards Checking - Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from 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. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 maximum per single transaction) if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.