No monthly service fees
Rewards APY of 2.53%* on average daily deposit balances up to $25,000
Just a low $100 minimum deposit is required to open your Free Checking Plus account
No minimum deposit balance required to earn rewards
Free Online banking and mobile app with Bill Pay
First Debit Card Free
Unlimited check writing
If qualifications are met, five ATM reimbursements up to $19.99 are refunded*

Free Checking Plus Disclosure

*Annual Percentage Yield. APYs accurate as of 8/14/2026. Rate may change after account is opened. Minimum opening deposit is $100. Statement cycle qualifications include: (1) 15 debit card purchases post to your account during the statement period; (2) Enroll and receive e-statements; and (3) Log into online or mobile banking at least once during the statement cycle. If qualifications are met each monthly statement cycle: (1) Domestic ATM fees incurred during the statement cycle will be reimbursed automatically up to $4.99 per single transaction, and fees $5.00 or greater are reimbursable if a receipt is presented, for the first 5 transactions up to $19.99, and credited to account on the last day of monthly statement cycle; (2) Average daily balances up to $25,000.00 receive 2.53% APY; (3) Average daily balances over $25,000.00 earn .25% interest rate on portion of balance over $25,000.00, resulting in 2.53% – .26% APY depending on the balance. If qualifications are not met, all balances earn .05% APY. Fees could reduce earnings. Transactions may take one or more banking days from the transaction date to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Limit one account per SSN. Free Checking Plus accounts are for personal consumer accounts only. Fees may reduce earnings.