Bonus Checking

Sure we could talk about how convenient this free checking account is, but let's cut to the chase: you get paid just for using it! That's right, this free, high-interest checking account earns even more than a CD. We're talking a whopping 2.25% APY!* Now add nationwide ATM fee refunds, unlimited checking, and no minimum balance requirement. Clearly, these are rewards worth signing up for.

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Bonus Checking
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Summary
  • Earn 2.25% APY* on balances up to $15,000
  • Earn 2.25% APY* on balances up to $15,000.01 - $25,000
  • Earn 0.10% APY* on balances from to $25,000.01 - $250,000
  • Earn 0.10% APY* on balances over $250,000
  • Earn 0.05% APY* on entire balance if monthly qualifications are not met
  • Customers qualify for our Bonus Savings account
  • One free order of specialty checks per year
  • Unlimited check writing
  • Nationwide ATM fee refunds (up to $20 monthly)
  • Unlimited check writing

Qualifications:

It doesn't take much to meet the easy qualifications each month. Heck, you're probably already doing it! Simply do the following each monthly statement cycle:

  • Have 1 direct deposit or ACH auto debit post and clear during the qualification cycle
  • Make 10 First National Visa debit card purchases that post and clear during the qualification cycle (excluding ATM transactions)
  • Receive E-Statements

View our current rates.

*Earn 2.25% APY on daily collected balances up to $15,000, 2.25% APY on daily collected balances $15,000.01 to $25,000, 0.10% to 2.25% APY on all daily collected balances of $25,000.01 to $250,000, and 0.10% to 2.25% APY on balances above $250,000 during each statement period when requirements are met. Statement period requirements are at least one Automatic Payment or Direct Deposit post and clear per qualification cycle, at least 10 debit card transactions post and clear per qualification cycle (excluding ATM transactions), and your monthly account statement delivered electronically (E-Statement). If you do not meet the requirements you will earn 0.05% APY on all balances for that period. When the requirements are not met, interest will be recalculated at 0.05% APY on the date of the statement using the average collected balance for the statement period. Fees may reduce earnings. APYs are accurate as of 06/14/2011. Rates are subject to change. Requires initial deposit of $0.01. ATM fee refunds up to $20 per cycle when qualifications are met. There is a $5.00 fee if your daily balance falls below $100.00 during the monthly statement period.

APY = Annual Percentage Yield

Qualification Cycle = Statement Cycle