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Reward Checking

Take advantage of this free, high interest earning checking account

While other banks hold your money, this free, high interest checking account actually helps you earn more. With Reward Checking, you can earn up to 1.01% APY* and domestic ATM fee refunds if you qualify. See branch for terms and conditions of account.

To qualify, you need to have 12 debit card debit transactions post and settle to your account during each monthly qualification cycle and receive electronic statements through online banking. You will earn a competitive interest rate and be able to get cash from any ATM in the country—not just in Washington or Idaho, but nationwide.

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Great Rates

Competitive tiered rates if you qualify

No Minimum

After initial opening deposit of $100.00, there is no minimum balance required

Online Banking

Gain free access to our online banking, bill pay, and mobile banking

Up to $15,000 Balance

Reward Checking and Reward Checking II accounts receive a 1.01% interest rate on balances up to $15,000 with a 1.01% APY* if you qualify

Over $15,000 Balance

Reward Checking and Reward Checking II accounts receive a 0.12% interest rate for the balance in your account over $15,000 with an APY* for this tier ranging from 0.25% to 1.01% if you qualify

Non-qualified Account

Reward Checking and Reward Checking II account receive a 0.05% interest rate and 0.05% APY* on your entire balance if you do not qualify

ATM Fee Refunds

Receive domestic ATM fee refunds up to $25 per monthly statement cycle if you qualify

No Minimum Balance

$100.00 minimum deposit to open account, after that there is no minimum balance required to maintain this account or to meet the qualifications

Unlimited and Free

Receive unlimited checking and a free debit card with free access to Online Banking, Mobile Banking, and Bill Pay

RewardChecking

Qualifications

To qualify for the higher Reward Checking rates and receive reimbursements on your ATM fee surcharges, you must perform all of the following during the monthly Qualification Cycle.

  • Have at least 12 debit card point of sale transactions post and clear per Qualification Cycle. The debit card point of sale transactions may not be in a pending state to qualify as one of the qualifying transactions. Transactions may take one or more business days from the date the transaction was made to post to and settle to an account. ATM withdrawals and point of sale credits do not qualify toward your 12 debit card point of sale transactions.
  • Consent to receive your monthly statement and disclosures electronically through online banking. If you choose to receive your monthly statement in paper format, you will receive the non-qualifying interest rate and annual percentage yield.

Understanding the Qualification Cutoff

The qualifications noted above must be met by the end of the Qualification Cycle. The Qualification Cycle means a period beginning one business day prior to the first day of the Statement Cycle through one business day prior to the close of the Statement Cycle. In order to fully understand the Qualification Cycle you must understand how the Statement Cycle cutoff date is determined. The Statement Cycle cutoff date will be the 25th day of each month if the 25th is a business day. If the 25th is a weekend or federal holiday then the Statement Cycle cutoff date may be up to three calendar days earlier. For example, if the 25th of the month falls on a weekend, the qualification transactions must post and settle by Thursday of that week. If the 25th falls on a federal holiday, the Statement Cycle cutoff date will be two business days before the federal holiday, which may result in a Qualification Cycle ending up to four calendar days prior to the 25th. Business days are Monday through Friday, excluding federal holidays. We realize the Qualification Cycle and Statement Cycle may be difficult to understand so we publish the Qualification Cycle for the following month on your current monthly periodic statement.

Reward Checking II

Reward Checking II account requires that you have a Reward Savings account. Any interest earned and domestic ATM refunds on the Reward Checking II will be transferred to the Reward Savings the first business day after your statement cycle. Help build your savings with automatic transfer and another high interest rate by adding a Reward Savings Account.

Qualification Cycles for 2016

December 24, 2015 to January 24, 2016

January 25, 2016 to February 24, 2016

February 25, 2016 to March 24, 2016

March 25 2016 to April 24, 2016

April 25, 2016 to May 24, 2016

May 25, 2016 to June 23, 2016

June 24, 2016 to July 24, 2016

July 25, 2016 to August 24, 2016

August 25, 2016 to September 22, 2016

September 23, 2016 to October 24, 2016

October 25, 2016 to November 24, 2016

November 25, 2016 to December 22, 2016

December 23, 2016 to January 24, 2017

*Annual Percentage Yield (APY) accurate as of 6/1/15. Contact us for current rates and terms. Rates may change after the account is opened. Fees may reduce earnings.

The qualification requirements must be met by the end of the Qualification Cycle. The Qualification Cycle means a period beginning one business day prior to the first day of the Statement Cycle through one business day prior to the close of the Statement Cycle. In order to fully understand the Qualification Cycle, you must understand how the Statement Cycle cutoff date is determined. The Statement Cycle cutoff date will be the 25th day of each month if the 25th is a business day. If the 25th is a weekend or federal holiday, then the Statement Cycle cutoff date may be up to three calendar days earlier. For example, if the 25th of the month falls on a weekend, the qualification transactions must post and settle by Thursday of that week. If the 25th falls on a federal holiday, the Statement Cycle cutoff date will be two business days before the federal holiday, which may result in a Qualification Cycle ending up to four calendar days prior to the 25th. Business days are Monday through Friday, excluding federal holidays.

If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per Qualification Cycle. Domestic ATM fees up to $4.99 will be reimbursed automatically. Reimbursement of domestic ATM fees higher than $4.99 require you to present a receipt in branch. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Domestic ATM fee reimbursement will be credited to your account on the last day of your Statement Cycle for domestic ATM fees charged to your account during the Qualification Cycle. If a domestic ATM fee is charged between the Qualification Cycle cutoff date and the Statement Cycle cutoff date, it will be included in the next monthly Qualification Cycle. If you do not meet the qualifications, the following Qualification Cycle you will not be reimbursed for this fee.