thinkINTEREST Checking

Get more from your checking account. Earn a premium interest rate and ATM reimbursements when you meet your qualifications during the monthly statement cycle.*

  • Earn interest based on account balance:


Interest rate


$0 - $9,999.99



$10,000 - $49,999.99


2.02% to 0.81%

$50,000 and up***


0.81% to 0.17%

If monthly qualifications are not met





In order to be eligible for a premium interest rate, the following qualifications must be met:

  • Make at least 10 debit card purchases per monthly statement cycle
  • Have at least one automatic payment (ACH) or direct deposit per monthly statement cycle
  • Maintain a $5,000 average daily balance or at least $15,000 in deposit relationship balances††

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

* Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more banking days from the day the transaction was made to post and settle to an account. The monthly business cycle ends on the last business day of the month.

** Annual Percentage Yield (APY) is accurate as of 05/06/2016. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account.

*** Assumes a maximum balance of $250,000

†Nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $25 if qualifications are met.

†† Deposit relationship balances include Savings, Money Market and Interest Bearing Checking Accounts. Deposit relationship balances are calculated on the average daily balance.

- Personal accounts only. Not intended for business purposes.

- $50.00 minimum deposit required to open account.

- One thinkINTEREST account per taxpayer identification number.