Skip to main content

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 point of sale transactions post and settle to your account during each statement cycle and receive electronic statements through online banking. You will earn a competitive interest rate and be able to get cash from any ATM (without restrictions) in the country—not just in Washington or Idaho, but nationwide.

Contact Us

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

Out There4


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 Statement Cycle:

  • Have at least 12 debit card point of sale transactions post and clear per Statement 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.
  • *Annual Percentage Yield (APY) accurate as of 8/19/16. Contact us for current rates and terms. Rates may change after the account is opened. Fees may reduce earnings.
  • If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per Statement 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 Statement Cycle.

Understanding the Qualification Cutoff

The qualifications noted above must be met by the end of the Statement Cycle. 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 the Statement Cycle cutoff date may be up to three calendar days earlier. For example, if the 25th is a Monday federal holiday, the qualification transactions must post and settle three calendar days prior to the 25th (by Friday of that week). Business days are Monday through Friday, excluding federal holidays. 

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 on the last business day of the Reward Checking II statement cycle. Help build your savings with automatic transfer and another high interest rate by adding a Reward Savings Account.