High-Yield Checking

Free checking is nice, but free checking that pays you back? Now that’s really special. Our High-Yield Checking account pays you high interest on your entire balance and ATM fee refunds, nationwide!* Keep the rewards coming when you use your free MasterCard® debit card with UChoose Rewards®. Easily track your growing balance with free services like mobile banking and eStatements. Rewards are easy to earn — apply for your account today!



To earn your rewards, just do the following transactions and activities in your High-Yield Checking account during each Monthly Qualification Cycle:

  • 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
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your High-Yield 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!

A few clicks and you’re done — get started now!

*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.