Reward Checking

We’re serious about investing in you — so serious, we pay you to bank here. Earn cash rewards each month by meeting a few simple qualifications.

Rates

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Key Features

  • High Interest
  • Refunds on ATM Withdrawal Fees*
  • No Minimum Balance to Earn Rewards
  • No Monthly Service Charge
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  • Free checking that pays high interest
  • 4.08% APY* on balances up to and including $15,000.99
  • 1.18% to 4.08% Blended APY on balances over $15,000.99 depending on balance in account*
  • 0.05% APY* on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $15 each month)*
  • No monthly service charge
  • No minimum balance to earn rewards
  • Free digital banking services^, including:
  • Free Visa® debit card
  • $50 minimum deposit to open
  • Come into any of our locations and open a checking account and Classic Bank will donate $10 to a charity of your choice.*

It’s Easy to Earn Your Rewards

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Reward Checking account during each Monthly Qualification Cycle:

  • At least one direct deposit, ACH credit, or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Maintain a valid email address on record with bank

That's it. Even if you don't meet your qualifications during the cycle, your Reward Checking account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

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*Earn 4.08% Annual Percentage Yield (APY) on balances up to $15,000.99 and 1.18% - 4.08% Blended APY on balances over $15,001.00 and up to $15.00 in refund of ATM fees when you meet the following qualifications: have at least ten (10) Visa Check Card Point of Sale (POS) transactions (excludes ATM transactions) post and settle per monthly qualification cycle; provide and maintain a valid email address; receive your monthly statement electronically and pay one bill via auto draft or have a direct deposit per monthly qualification cycle. When eligibility qualifications are not met, you will earn 0.05% APY on entire account balance and nationwide ATM fees will not be refunded. APY accurate as of 12/01/2024 and may change after the account is open. $50 minimum balance to open account.

^All ancillary services are subject to additional terms and conditions and/or fees, including internet provider and data charges for online and mobile banking.

*Charities from approved bank list