Enjoy no monthly service fee and monthly cash rewards.

We literally pay you to bank with us with free My Cash checking! Earn up to 3.25% APY* every month just for doing simple activities you probably already do, like using your debit card.

You'll also get refunds on ATM withdrawal fees, nationwide* — so every ATM is your ATM, coast to coast. Link your account to a free My Savings account to make saving easy. Apply for your account online now!

  • Free checking that pays high dividends
  • 3.25% APY* on balances up to $15,000
  • 3.25% to 0.55% APY, on balances over $15,000 depending on balance in account*
  • 0.10% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to My Savings to build savings automatically
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free Online Banking 
  • Free Mobile Banking
  • Free eStatements 
  • Free MasterCard® ATM/Debit card
  • A2A Transfers available 
  • No minimum deposit to open

To add a My Cash checking account to your membership, fill out the Contact Us form by clicking the button below.

Contact Us

It's Easy to Earn Rewards With My Cash!

Enrollments must be in place and all of the following transactions and activities must post and settle to your My Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) withdraw post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking at least once

That's it! And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.


*APY=Annual Percentage Yield. APYs accurate as of 6/01/2024. Rates may change after account is opened. For My Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 3.25%; and (3) balances over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000, resulting in a range of 3.25% to 0.55% APY depending on the balance. If qualifications are not met on My Cash all balances earn 0.10% APY. Qualifying transactions must post to and settle My Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "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. The advertised My Cash APY is based on compounding interest. Interest earned in My Cash is automatically transferred to Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Cash APY. The Saver APYs may be less than My Cash APYs. If qualifications in My Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Saver receive an APY of 0.25%; and (2) balances over $10,000 in Saver earn 0.15% interest rate on portion of balance over $10,000, resulting in a range of 0.16% to 0.25% APY depending on the balance. If qualifications are not met on My Cash, all balances in Saver earn 0.10% APY. Transfers between accounts do not count as qualifying transactions.

Go to main navigation