Make the right choice and earn a premium 3.04% APY* each monthly qualification cycle with this high–interest checking account. Qualifying for the Smart Choice rewards is very simple. To serve you more efficiently, we simply ask that you take advantage of our convenient “electronic” banking services.
To earn the higher interest rate, do the following activities and transactions each monthly qualification cycle:
Smart Choice Checking is only offered to personal accounts.
*APY = Annual Percentage Yield 3.04% APY earned on portion of the balance up to $5,000, and 0.25%interest rate on the portion of the balance above $5,000, if account eligibility requirements are met during each monthly qualification cycle. The resulting APY will range from 3.04% to 0.39% APY, depending on the account balance. If requirements are not met, the account will earn 0.05% APY on the entire balance. APY is accurate as of 6/1/2015, and subject to change. The “qualification cycle” is the period of days reflected in the periodic monthly statement. $100 minimum deposit required to open account. Transactions may take one or more banking days from the date transaction was made to post and settle to the account. ATM–processed transactions do not count toward the required debit card transactions. Available to personal accounts only. Fees may reduce earnings. Contact the bank at 618-498-6466 or see New Accounts for further information about applicable account fees and terms.