Vantage Checking

This free checking account actually pays you — in higher interest and nationwide ATM and bill pay fee* refunds. And there's no minimum balance or monthly service fees.

Raise the bar and take advantage of unlimited checking — while earning higher interest on your balance.



  • Free higher interest-bearing checking account
  • Earn 1.00% APY* on balances up to $25,000
  • Earn 1.00% to 0.40% APY* on balances over $25,000
  • Earn 0.01% APY* if qualifications aren't met
  • Get ATM fee refunds nationwide* (up to $20 each cycle)
  • Earn Bill Pay fee refunds (up to $2.95 each cycle)
  • Earn rewards your first month, no matter what!
  • No minimum balance requirement to earn rewards
  • No monthly service fees
  • Try our Vantage Checking Calculator to calculate your estimated annual rewards
  • Manage your accounts anytime, anywhere via
  • Free NetTeller online banking
  • Add PowerPay Bill Pay for even more convenience
  • Free Bank-by-Phone
  • Convenient access to your funds via
  • MasterCard debit card
  • 24-Hour ATMs
  • Free eStatements
  • Low $50 opening deposit

Please call (800) 326-9486 for current rates.


It's so easy to qualify; you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Vantage Checking account each monthly qualification cycle:

View our qualifications calendar

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice via the Internet
  • Have at least 1 direct debit or direct deposit post and settle

That's it! And if for some reason you don't qualify, don't worry. The account is still free and you still earn the base interest rate no matter what. You can get back to earning the full rewards the next monthly qualification cycle!

The annual percentage yield is effective 05/26/2018. Rates are subject to change.

*APY=Annual Percentage Yield. Rates may change after account is opened. Minimum to open is $50. 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 $25,000 receive APY of 1.00%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 1.00% -0.40% APY depending on the balance. If qualifications are not met, all balances earn 0.01% 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. Bill Pay fee refunds of $2.95 are given each cycle when qualifications are met. Personal accounts only, and only one account per unique SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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