Checking /

High Interest Checking

You can tell a lot by a name, but not everything. This free, high interest checking account earns 2.00% APY* and also comes with ATM fee refunds — not just in Syracuse or Central New York, but nationwide! All with no minimum balance requirement.

Earning the reward rate is so easy, you're probably already doing it. Check out the 3 simple qualifications and get ready for an account that actually pays you money, not the other way around.

  • 2.00% APY* on balances up to $15,000
  • 0.10% APY* on amount of balance above $15,000
  • Refunds for all other ATM fees nationwide**
  • No minimum balance to earn rewards
  • No monthly service fee if direct deposit is maintained***
  • Free online banking & bill pay
  • Mobile Banking available
  • Free E-Statements
  • Free Visa® debit card
  • Unlimited check writing
  • $15 minimum deposit to open
  • Special loan discounts:
      • Receive 1/8% (0.125%) discount on Residential Mortgages for terms of 10, 15, or 20 years when you open, maintain, and have your loan payments deducted from your High Interest Checking Account
      • Receive 1/4% (0.25%) on Home Equity Loans and Home Equity Lines of Credit when you open, maintain, and have your loan payments deducted from your High Interest Checking Account
      • Receive 1/4% (0.25%) discount on installment loans when you open, maintain, and have your loan payments deducted from your High Interest Checking Account


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

  • Be enrolled in and agree to receive E-Statements
  • Have at least one direct deposit/ACH credit post and settle
  • Have at least 12 debit card purchases post and settle

See. Unbelievably simple. And even if you don't qualify one cycle, you still have a completely free checking account that earns our base rate.

*Annual Percentage Yield (APY) accurate as of 6/1/2017. Rate tiers are as follows: 2.00% APY applies to balances of $.01 - $15,000 and 0.10% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 2.00% APY – 0.10% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. **ATM Fee reimbursements up to $25 provided only if qualifications are met within the monthly qualification cycle. ***At least one electronic deposit of salary, pensions, or government benefits from an employer or the government is required each statement cycle to avoid a $5.00 monthly maintenance fee.

Ready to get started? Open your account today!