High-Yield Checking

If you ever thought all checking accounts were the same, NorStates Bank's High-Yield Checking blows that notion out of the water.

This free, interest-bearing account earns 0.50% APY* AND provides unlimited nationwide ATM fee refunds.* All with no minimum balance and no monthly service fee.

High-Yield Checking
  • Summary

    • 0.50% APY* on entire daily balance
    • 0.01% APY* if qualifications are not met
    • Unlimited nationwide ATM fee refunds*
    • No monthly service fee
    • No minimum balance
    • Free online banking with bill pay
    • Free eStatements with check images
    • Unlimited check writing with no per-check fees
    • Free MasterCard® debit card with UChoose Rewards®
    • FDIC insured
    • Check out our additional Bank Services available

    *APY=Annual Percentage Yield. APYs accurate as of 6/27/2013. Rates may change after account is opened. Fees may reduce earnings. Personal accounts only. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) unlimited Nationwide ATM fee refunds credited to the account on the last day of monthly statement cycle; (2) all balances will receive 0.50% APY. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle to your account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to your account. ATM-processed transactions, PIN based transactions, and transfers between accounts do not count towards qualifying debit card transactions.To comply with federal regulations regarding network exclusivity limitations, NorStates Bank has PIN-less debits enabled through our PIN network, Accel. A merchant may elect to route your purchase through the PIN network even in instances where you do not utilize your PIN to complete your transaction. Transactions processed through the PIN network do not count towards your transaction requirements. You may ask a merchant to process your transaction as "credit" instead of "debit" to route your purchase transaction through the MasterCard® network. The merchant may or may not comply with your request.ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

  • Qualifications

    Qualifying for your rewards is easy. Simply do the following each monthly qualification cycle:

    • Be enrolled and receive eStatements
    • Have at least 1 automatic payment (ACH) or direct deposit transaction post and settle
    • Have at least 10 signature based debit card purchases post and settle

    If you don't qualify during a cycle--no worries. Your checking account is still free and earns interest at 0.01% APY* and you get right back to making 0.50% APY* and enjoying ATM fee refunds** the next cycle you qualify.

    If you are unable to meet the minimum qualifications for your High-Yield Checking account for three (3) or more consecutive qualification cycles during a rolling 12 month period, your High-Yield Checking account may be converted to a Simple Checking account.

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