Ultimate Checking

It's free checking that really pays — earn up to 2.32% APY* on balances up to $15,000. In addition to high interest, you'll also earn nationwide ATM fee refunds!* It's that little something extra each month that makes a big difference in your life.

All you have to do to earn these rewards is meet some easy qualifications — and even if you don't meet the qualifications, your account is still free! Attach your account to Ultimate Savings and watch your savings grow automatically. Open yours today!

  • Free, high-interest checking account
  • 2.32% APY* on balances up to $15,000
  • 0.55% interest rate on amount of balance over $15,000 (resulting in 0.78% to 2.32% APY on balances over $15,000 depending on balance in account)*
  • 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
  • No monthly service fee
  • 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. To earn your rewards, simply do the following transactions and activities in your checking account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and 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!

Download the Statement and Qualification Calendar


And now, since our lawyers say we have to include an official disclosure, we present the same information in legalese.

*APY=Annual Percentage Yield. APYs accurate as of 11/22/14. Rates may change after account is opened. Minimum to open is $100 for Ultimate Checking and $100 for Ultimate Savings. For Ultimate Checking, if qualifications are met each monthly qualification cycle: (1)ATM fees incurred using Ultimate Checking debit card during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2)If your daily balance is $15,000 or less, the interest rate paid on the entire balance will be 2.30% with an annual percentage yield of 2.32%; and (3)An interest rate of 0.55% will be paid only for that portion of your daily balance that is greater than $15,000. The annual percentage yield for this tier will range from 0.78% to 2.32%, depending on the balance in the account. When the Ultimate Checking qualifications are not met, the interest rate on your account will be 0.05% and the annual percentage yield will be 0.05%. Qualifying transactions must post to and settle to your Ultimate Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to your 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 Ultimate Checking APY is based on compounding interest. Interest earned in Ultimate Checking is automatically transferred to Ultimate Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Ultimate Checking APY. The Ultimate Savings APYs may be less than Ultimate Checking APYs. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Ultimate Checking