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Balances under $25,000 – 0.25%; Balance $25,000 to $49,999- 0.35%; Balances of $50,000 or more 0.50%;
Let’s put your money to work! This interest-earning account comes with the convenience of direct deposit and automatic payments.
Do you have your paycheck directly deposited into your current checking account? Do you pay any bills through automatic withdrawal? Then our Direct Interest Checking Account is a fit for you. This account gives you everything the Simply Free Checking Account does, plus your money earns interest for banking the way you already do.
You can open an account online in less than 10 minutes or schedule an appointment if you’d like to talk through your options. With ClickSwitch, moving your direct deposit is quick and easy.
If you’re over 50, you’ll want to check out our Advantage 50 Interest Checking option.
As of 2/14/2026
| Annual Percentage Yield (APY) *** | Interest Rate *** |
|---|---|
| 0.05% | 0.05% |
***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
Earn even more interest! This account gives you our highest interest rate.
Are you looking to earn as much interest as possible? Introducing the Preferred Interest Checking Account. This account is ideal if you plan to have at least $1,500 in it at all times. When you do, you’ll earn the highest interest rate we offer on a checking account — all while enjoying the benefits of free checking.
Don’t worry if your balance falls below $1,500. You still earn our competitive interest rate.
You can open an account online in less than 10 minutes or schedule an appointment if you’d like to talk through your options. With ClickSwitch, moving your direct deposit is quick and easy.
As of 2/14/2026
| Annual Percentage Yield (APY)*** | Interest Rate*** | |
|---|---|---|
| Balances Under $1,500 | 0.05% | 0.05% |
| Balances $1,500 or more | 0.10% | 0.10% |
***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
A free account for everyone! It’s ideal if you’re under 50 and may have less than $1,500 in your account.
The Simply Free Checking Account makes banking easy and accessible to everyone. When we say free, we mean it. You’re not required to maintain a minimum account balance, and you won’t pay a monthly service charge. Free checking is ideal if you’re looking for a no-obligation way to open a bank account.
You can open an account online in less than 10 minutes or schedule an appointment if you’d like to talk through your options. With ClickSwitch, moving your direct deposit is quick and easy.
| Simply Free Checking | Advantage 50 Interest Checking | Direct Interest Checking | Preferred Interest Checking | |
|---|---|---|---|---|
| Account Overview | A FREE account for everyone | A perfect account for customers 50 and over | Earn interest with the convenience of direct deposit or any automatic payment | An account for those interested in higher interest |
| Open Online | Open Account | Open Account | Open Account | Open Account |
| Minimum Opening Balance | $50 | $50 | $50 | $50 |
| Minimum Balance Required | – | – | – | Yes |
| Monthly Service Charge | – | – | – | Only $7 monthly charge if minimum daily balance falls below $1,500* |
| Checks | Free box of checks | Free checks for life | Free box of checks | Free checks for life |
| FREE Online and Mobile Banking** | Yes | Yes | Yes | Yes |
| FREE Debit Card | Yes | Yes | Yes | Yes |
| APY*** | .00% | .07% | .07% | Balances under $1,500 – 0.07%; Balances $1,500 or more – 0.10% |
| Interest Rate*** | .00% | .07% | .07% | Balances under $1,500 – 0.07%; Balances $1,500 or more – 0.10% |
| Open Account | Open Account | Open Account | Open Account |
*Monthly Service Charge will be assessed if balance falls below the Minimum Daily Balance Requirements anytime during the statement period.
**Message and data rates may apply. Check with your cellular carrier for details.
***Interest rates and Annual Percentage Yield (APY) are subject to change. Fees could reduce earnings.
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