Free Rewards Checking

Put your balance to work with this free high interest checking account. You can earn an incredible 1.51% APY*, just for doing simple everyday things that make managing your money even easier! Get unlimited checking with no fees or minimum balance to earn rewards. We'll even refund ATM fees* when you use other banks' machines; not just in Worthington, Pipestone, Edgerton, or Southwest Minnesota, but nationwide!

Free Rewards Checking
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  • Earn 1.51% APY* on balances up to $15,000
  • Earn 0.25% APY* on amount of balance over $15,000
  • Earn 0.05% APY* on entire balance per cycle if qualifications are not met
  • ATM fee refunds nationwide*
  • No monthly fee or minimum balance requirements
  • First 40 checks are free
  • Unlimited check writing privileges
  • Free online banking and eStatements
  • Online bill pay available
  • Overdraft protection available
  • $100 deposit to open


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 ACH auto debit post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking or mobile banking

If you don't qualify in a given statement cycle, don't worry—Free Rewards Checking stays free no matter what. Plus, you'll still receive our base rate of interest. And you can get the rewards back the very next month!

Our Switch Kit provides the forms you need to switch your accounts. Click here to download it.

*APY=Annual Percentage Yield. APYs accurate as of 07/16/2013. Rates may change after account is opened. Minimum to open account is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.51%; and (3) balances over $15,000 earn 0.25% interest rate on portion of balance over $15,000, resulting in a range of 1.51% to 0.41% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an 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. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

**Available to qualified applicants.