Rewards Checking

With a 2.02% APY* earning potential on a no minimum balance account, FREE Rewards Checking is a true investment. Since we refund ATM fees** incurred by other banks nationwide, you'll never waste those gains on getting cash. There are never maintenance fees or hidden service charges, just rewards for using Fisher National Bank.

Apply online...and then come in to complete the account opening process!

Features

  • No monthly service charge

  • No minimum balance to earn rewards or maintain free account

  • Earn 2.02% APY* on balances up to $20,000

  • Earn 0.10% APY* on portion of balance over $20,000

  • Earn 0.05% APY* on entire balance if monthly qualifications are not met

  • ATM fee refunds** up to $20 per cycle when qualifications are met

  • $50 minimum opening deposit

  • Must come in to bank to complete account opening process

Here’s how easy it is to earn your rewards:

All of the following transactions and activities must post and settle to your Rewards account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases

  • At least 1 direct deposit, ACH credit, or ACH payment transaction

  • Be enrolled in and agree to receive e-statements

And even if you don't meet these three easy qualifications, your account is still free — plus, you’ll still earn our base rate! And you can get right back to earning your rewards the very next cycle that you qualify.

*Annual Percentage Yield (APY) accurate as of 11/1/2023. Rate tiers are as follows: 2.02% APY applies to balances of $0.01 ‐ $20,000.00 and 0.10% APY applies to balances over $20,000.00 if qualifications are met each qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 0.10% APY to 2.02% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear during the qualification cycle. The qualification cycle ends on the fourth Wednesday of each month.  All transactions must post and settle by that day to be counted for qualification. Debit card purchase means any PIN or signature based transaction performed at any location other than an ATM. Transactions may take more than three business days to post and settle from the transaction date. Available to personal accounts only. Limit one account per social security number. Minimum of $50.00 deposit to open account.

**ATM fee refunds up to $20.00 provided only if qualifications are met within monthly qualification cycle.