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This checking account earns interest, regardless of your minimum balance! In fact, Simply Rewards Checking – Cash rates are so high, they make the Space Needle seem low in comparison!

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  • Checking that pays high interest
    • 1.01% APY* on balances up to $5,000
    • 1.01% to 0.25% APY on balances over $5,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Simply Rewards – Saver to build savings automatically
  • No minimum balance to earn rewards
  • No monthly service fee**
  • Free online banking and bill pay
  • Free eStatements***
  • Free mobile banking***
  • Free EZ Deposit***
  • Free MasterCard® debit card
  • Unlimited check writing
  • $100 minimum deposit to open

Qualification Cycles

While our statement cycles begin the first day or the month and end on the last day of the month, the qualification cycles for Simply Rewards Checking are different. The dates below illustrate the first and last day of each qualification cycle.

Qual Start Qual End
11/29/2020 12/30/2020
12/31/2020 01/29/2021
01/30/2021 02/26/2021
02/27/2021 03/30/2021
03/31/2021 04/29/2021
04/30/2021 05/28/2021
05/29/2021 06/29/2021
06/30/2021 07/30/2021
07/31/2021 08/30/2021
08/31/2021 09/29/2021
09/30/2021 10/29/2021
10/30/2021 11/29/2021
11/30/2021 12/30/2021

It’s simple to qualify.

We called it Simply Rewards for a reason! To earn your rewards, just do the following activities and transactions in your Simply Rewards Checking – Cash account each Monthly Qualification Cycle.

  • Have at least 1 preauthorized ACH debit or credit post and settle
  • Have at least 15 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

That's all! And if you miss a qualification cycle, don't worry. There is still no cost to the checking account and there isn't a penalty for not qualifying in a given cycle. You can get right back to earning interest and enjoying ATM withdrawal fee refunds the next cycle you qualify.

Get rewarded for the way you bank.

Simply Rewards Checking Cash

*APY=Annual Percentage Yield. APYs accurate as of 1/25/21. Rates may change after account is opened. Minimum to open is $100. Fees could reduce earnings.

To meet the qualification requirements, the following transactions and activities must post and settle to your account during the Monthly Qualification Cycle: at least 15 debit card purchases, at least one preauthorized ACH debit or credit, and be enrolled in and receive eStatements. 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 Monthly Qualification Cycle is not the same as the Statement Cycle.

If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5.00 maximum per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $5,000 receive APY of 1.01%; and (3) balances over $5,000 earn 0.25% interest rate on the portion of the balance over $5,000, resulting in 1.01% - 0.29% APY depending on the balance.

If qualifications are not met on Simply Rewards Checking – Cash all balances earn 0.01% APY and ATM fees are not reimbursed.

Simply Rewards Checking Cash with Saver

*APY=Annual Percentage Yield. APYs accurate as of 1/25/21. Rates may change after account is opened. Saver account must be opened with a Simply Rewards Checking-Cash account as a product bundle.  Interest earned and ATM fee refunds paid to the Simply Rewards Checking – Cash is automatically transferred to Simply Rewards – Saver each statement cycle. Minimum to open is $100 for Simply Rewards Checking-Cash and $5.00 for Simply Rewards-Saver. Fees could reduce earnings.

To meet the qualification requirements, the following transactions and activities must post and settle to your account during the Monthly Qualification Cycle: at least 15 debit card purchases, at least one preauthorized ACH debit or credit, and be enrolled in and receive eStatements. 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 Monthly Qualification Cycle is not the same as the Statement Cycle.

Saver: If qualifications are met each monthly qualification cycle balance up to $20,000 receive APY of 0.25% and balances over $20,000 earn 0.10% interest rate resulting in an APY for this tier ranging from 0.25% to 0.13%, depending on the account’s balance.

 If qualifications are not met during the monthly qualification cycle, the APY is 0.01%.

**An Inactive Account Fee may apply after 12-months without activity.

***Standard carrier messaging or data rates may apply.

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