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Savings & Checking

Start Saving Today With
Accounts That Work for You

Build your financial foundation with our competitive rates, flexible account options, and zero hidden fees.

Account Types

Choose Your
Perfect Account

From everyday checking to high-yield savings, we have the right account for your financial goals.

Checking Account Features
Savings Account Features
Essential Checking
$0/mo

No minimum balance, no monthly fees. Free debit card and online banking included.

  • Free mobile deposit
  • 55,000+ fee-free ATMs
  • Bill pay included
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Premium Checking
$15/mo (waivable)

Earn interest, get reimbursed ATM fees, and enjoy premium perks with a $5,000 balance.

  • 0.05% APY on balances
  • Surcharge-free ATM worldwide
  • Priority customer service
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Student Checking
$0/mo

Built for students ages 17–24 with no fees, free ATM access, and budgeting tools.

  • No overdraft fees
  • Spending insights & alerts
  • Zelle® payments
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High-Yield Savings
4.50% APY

Earn one of the highest savings rates in the nation with no minimum balance requirement.

  • FDIC insured to $250,000
  • No monthly maintenance fee
  • Easy transfers to checking
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Money Market Account
4.25% APY

Earn premium rates with check-writing privileges. Best for balances over $10,000.

  • Tiered interest rates
  • Check-writing & debit card
  • 6 withdrawals/mo free
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Certificates of Deposit
Up to 4.75% APY

Lock in guaranteed rates for terms from 3 months to 5 years with as little as $500.

  • Fixed rates, guaranteed returns
  • Terms from 3 to 60 months
  • $500 minimum deposit
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Interest Rates

Current
Rate Schedule

Our rates are competitive and transparent. No hidden terms, no surprises.

Account Type APY Min. Balance
Essential Checking 0.01% $0
Premium Checking 0.05% $5,000
High-Yield Savings 4.50% $0
Money Market 4.25% $10,000
12-Month CD 4.50% $500
60-Month CD 4.75% $500

*APY = Annual Percentage Yield. Rates effective as of January 15, 2025 and subject to change without notice. Fees may reduce earnings.

Fee Comparison

We believe in transparency. Here's exactly what you pay — or don't.

Fee Type Essential Premium Student Savings
Monthly Fee $0 $15* $0 $0
Overdraft Fee $35 $35 $0 N/A
Out-of-Network ATM $3 $0 $3 $3
Wire Transfer (Incoming) $0 $0 $0 $0
Wire Transfer (Outgoing) $25 $15 $25 $25

*Monthly fee waived with $5,000 minimum daily balance or $500 in qualifying direct deposits.

Start Growing Your Money
Today

Open an account in under 5 minutes. No minimum balance required for Essential and Student Checking.

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