True Rewards

Open An Account

Where does it say that checking accounts cannot give a good interest rate? 

We are breaking that rule and giving you unlimited checking and interest, too, with True Rewards Checking. With this account, you get the best of both worlds: earn interest on your balance and write all the checks you want, with no per check charges. 


  • Interest bearing - 2.01% Annual Percentage Yield (APY) on balances up to $25,000

  • ATM fees refunded nationwide (up to $25 per statement cycle)

Plus, at no additional charge:

  • Unlimited check writing
  • No minimum balance required
  • NetTeller online banking
  • Unlimited Bill Pay
  • Clarity - Personal Financial Management System
  • Mobile Deposit Capture - Make deposits via your Mobile Device!
  • E-Statements
  • Visa Check Card
  • $700 Automatic overdraft privilege after "Opt-In"
  • FDIC insured


In order to receive the 2.01% APY on Balances up to $25,000 and ATM fee refunds, you must meet the following qualifications each statement cycle:

  • Make 10 Visa® Debit Point of Sale (POS) Transactions (Not ATM) post and clear
  • Have at least one direct deposit OR at least one ACH auto credit/debit to your account
  • Enroll and receive E-Statements
  • Access NetTeller online banking
  • Minimum opening deposit of $100

More Information

If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.05% APY; however, it will not receive ATM refunds for that time period. 

Balances between $0.01 and $25,000 will earn the reward rate each statement cycle when the minimum qualifications are met. Balances above $25,000 will earn the account rate 0.40% APY each statement cycle when the minimum qualifications are met.

We may change the interest rate and APY at any time after the account is opened. $25 cap on ATM fee refunds per statement cycle if qualifications are met. Rates effective as of January 20, 2015.

***True Rewards Account is only available to residents of Arkansas, Texas, Louisiana, Mississippi, Tennessee, Missouri and Oklahoma.