Earn one of the highest rates you’ll find in West Tennessee — or anywhere else in the country! Simply do a few banking basics every month to earn your checking rewards.


  • Free checking that pays high interest, compounded and credited monthly
  • 2.08% APY1 on balances up to $20,000
  • 0.25% APY1 on balances over $20,000
  • 0.26% APY1 if qualifications aren't met
  • 3 “fee-free” foreign ATM transactions monthly ($6 maximum)2
  • Waive the $7.95 monthly maintenance fee one of two ways:
    • Maintain a $1,500 minimum daily balance
    • Use debit card 15 times per month or at least $300
  • Online banking & bill pay available3
  • Free mobile banking with mobile deposit
  • Free eStatements
  • Popmoney® available
  • Free Visa® debit card
  • $100 minimum deposit to open

To earn the interest rate and APY described above, you must meet each of the following qualifications during each statement cycle period:

  • Enroll to receive electronic bank statements only
  • Conduct 15 debit card transactions per month. Transactions must post during statement cycle.
  • Have one ACH transaction (debit or credit) conducted on your account monthly
  • Access your account through Internet Banking (ex. Inquiries, transfers, Bill Pay) each month

You will receive a refund of 3 foreign ATM transaction fees per statement cycle ($6.00 maximum per statement cycle.)

1APY=Annual Percentage Yield.

2Fees could reduce the earnings on this account.

3If you opt-in to the bill pay feature, then bill pay must be utilized monthly to avoid $5.95 monthly fee.