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Rewards checking lets you earn interest — up to 0.50% APY — plus refunds on ATM withdrawal fees.* There's no monthly maintenance fee and no minimum balance requirements.

  • Checking that pays interest
    • 0.50% APY* on balances up to $15,000
    • 0.50% to 0.11% APY on balances over $15,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide and internationally (up to $20 monthly)*
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Enjoy additional benefits:
  • Free internet banking
  • Free bill pay
  • Free mobile banking with mobile deposit
  • Free electronic statements
  • Free debit card (subject to application approval)
  • Unlimited check writing
  • $50 minimum deposit to open

Earning Rewards Is Easy

Enrollments must be in place and all of the following transactions and activities must post and settle to your Rewards account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive electronic statements
  • Be enrolled in and log into internet banking

That's it. Even if you don't meet your qualifications during the cycle, your Rewards account still has no maintenance fee. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

*Qualification Information: Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When your Rewards account qualifications are met during a Monthly Qualification Cycle, (1) balances less than or equal to $15,000 will receive APY of 0.50%; and balances over $15,000 earn 0.10% interest rate on the portion of balance over $15,000, resulting in a range from 0.50% to 0.11% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $20 (max. $4.99 per single transaction) for ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Rewards qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Rewards account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 09/21/2017. Rates and rewards are variable and may change after account is opened.

Additional Information: Rewards is available as a personal account only, and is limited to one account per customer. No monthly maintenance fee. See “Service Fees” for other fees that may apply to this account. Fees could reduce earnings. Contact a BANKWEST service representative for additional information, details, and enrollment instructions. Member FDIC.