This free interest-earning checking account is built to keep up with the busy pace of your life. Earn our reward rate every month just for doing simple time-saving everyday banking activities you probably already do anyway! We even refund ATM fees—not just in Woodstock or Georgia, but nationwide!

• Earn 1.00% APY* on entire balance
• Earn 0.05% APY* if qualifications are not met
• ATM fee refunds nationwide
• No monthly service charge
• No monthly minimum balance
• Unlimited check writing
• Free debit card
• Free online banking with bill pay
• Free mobile web banking
• Free mobile text banking
• Free e-Statements
• Free telephone banking
• FDIC insured

View our current rates

*APY = Annual Percentage Yield.

It's easy to earn the rewards rate and ATM fee refunds. Just do these everyday banking activities during each monthly qualification cycle:

• Make 12 debit card purchases
• Set up one direct deposit, or ACH auto debit, or online bill payment
• Receive e-Statements

If you don't meet the qualifications, don't worry about it. You still get unlimited free checking and our base interest rate of 0.05% APY*. And you can get the rewards back the very next cycle.

Annual Percentage Yield (APY) accurate as of 2/19/10. Minimum to open account is $100. Rate tiers are as follows: 1.00% APY applies to balance as long as qualifications are met each statement cycle. An APY of 0.05% applies to the balance if qualifications are not met. All balances will earn 1.00% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

The following qualifications must be met per monthly statement/qualification cycle to obtain the premium rate for the month:

1. Make 12 debit card purchases

2. Receive one direct deposit or one ACH or process one bill payment

3. Enroll in online e-Statements