Option Rate Checking

There's nothing "basic" about this basic checking account.

Option Rate Checking

Want an interest-bearing checking account with a low monthly balance requirement? Choose Option Rate Checking and enjoy the advantages of ...

  • Daily compounding interest with tiered rate structure
  • Free Visa® Check Card1 with Visa Extras rewards points
  • Free Online Banking and Bill Pay service2
  • Overdraft protection available (subject to approval)
  • No monthly maintenance fee or per-debit fee if you maintain...
    • a $500 minimum daily balance or $1,000 average daily balance3 in your Option Rate Checking, OR
    • a $1,000 minimum daily balance in a related savings account

The minimum opening deposit is $100.

1 For customers ages 18 and up.

2 No monthly service fee and no fee per bill payment.

3 The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.