Ultimate Checking
Free checking that really pays. Earn 3.04% APY* on balances up to $25,000. It's that little something extra each month that makes a big difference in your life. With it you can earn a massive interest and nationwide ATM fee refunds*!
Best of all, your earnings can be swept into Ultimate Savings to create an automatic savings builder. We designed the qualifications to be so easy that you're probably already doing them.
- Summary
- Free, high-interest checking account
- 3.04% APY* on balances up to $25,000 when qualifications are met
- 1.00% APY* on amount of balance over $25,000 when qualifications are met
- 0.05% APY* on entire balance if qualifications aren't met
- ATM fee refunds up to $25 per monthly qualification cycle—not just in Irving, Frisco, and Dallas, but nationwide!
- Link to Ultimate Savings to build savings automatically
- No minimum balance requirement to earn rewards
- Unlimited checking
- Free online banking with bill pay
- Free online statements
- Free debit card
- Free telephone banking
- $100 minimum deposit to open
Qualifying for the highest interest rate is so easy, you're probably already doing it. And if you're not, take this opportunity to make your life easier by doing the following each monthly qualification cycle:
- Have at least 12 debit card purchases post and clear
- Have at least one direct deposit or automatic payment post and clear
- Receive your bank statements online
If you don't qualify, don't worry. Ultimate Checking will remain completely free and will even still earn interest at the base rate of 0.05% APY.* Best of all, you can get right back to earning the full rewards the very next monthly qualification cycle!
And now, since our lawyers say we have to include an official disclosure, we present the same information in legalese.
*Minimum to open account is $100. Annual Percentage Yield (APY accurate as of 07/15/10). Rate tiers are as follows: 3.04% APY applies to balances of $.01 - $25,000 and 1.00% APY applies to balances over $25,000 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 3.04% - 1.00% 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.
