Take your day to day spending to the next level
Make Waves High Yield Checking
Earn up to 4.00% APY*
You can earn 4.00% APY* on balances of $15,000 or less | Earn 1.50% APY* on balances of $15,000.01 or greater
Empower your everyday transactions with this high yield checking account that puts money back in your pocket.
High Yield Checking Qualifications
The following qualifications must be met to earn the stated APYs:
- Enroll in and receive FREE e-statements
- Have direct deposits of at least $1,000 per month
- Complete 15 or more credit and/or debit card transactions per month
PUT YOUR CHECKING ACCOUNT TO WORK FOR YOU
Open a Make Waves™ High Yield Checking Account today
Secure, Reliable, and Easy To Use
Safely spend, track, and do even more with your accounts at any time– on your digital devices and in your favorite places.
ONLINE BILLPAY
Easy money management to help you pay bills.
You’ve got enough going on with your day-to-day. Use Free Bill Pay to help with the rest. Schedule one-time or recurring payments to help you get organized and pay your bills on time.
MOBILE BANKING
Money is mobile and so are you.
Take full advantage of our mobile banking app and enjoy full integration with services like Apple Pay and Mobile Wallet for Android and Samsung devices. All for free.
FREE DEBIT CARD
Contactless, tap-to-pay Visa debit card.
Access your cash at ATMs and pay for purchases using your RadiFi debit card. It’s quick, easy and secure.
SURCHARGE-FREE ATMs NATIONWIDE
Convenient access. Everywhere.
A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.
5,000+ SHARED BRANCHING LOCATIONS
Full service isn’t limited to your hometown.
Complete a wide variety of transactions, including deposits, withdrawals, transfers, and loan payments at any of the 5,000+ Shared Branching locations.
GET PAID EARLY
You deserve an advance on your hard-earned cash.
Get access to your paycheck one day before payday when you enroll in direct deposit.
Checking Account Rates
|
Account |
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. APYs listed are current as of 12/01/2024. Rates are subject to change without notice. |
|||
|
Account |
Minimum balance to earn dividends $0-$15,000 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.000%** |
|
Account |
Minimum balance to earn dividends $15,000.01 or greater |
Dividend Rate 1.490% |
Annual Percentage Yield* 1.500%** |
|
Account |
Minimum balance to earn dividends Qualifications not met |
Dividend Rate 0.000% |
Annual Percentage Yield* 0.000% |
|
Account Extreme Checking |
Minimum balance to earn dividends $0-$5,000 |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.750%** |
|
Account Extreme Checking |
Minimum balance to earn dividends $5,001 |
Dividend Rate 0.049% |
Annual Percentage Yield* 0.050%** |
|
Account Extreme Checking |
Minimum balance to earn dividends Qualifications not met |
Dividend Rate 0.000% |
Annual Percentage Yield* 0.000% |
|
Account Interest Checking |
Minimum balance to earn dividends – |
Dividend Rate 0.050% |
Annual Percentage Yield* 0.050% |
|
Account Free Checking |
Minimum balance to earn dividends – |
Dividend Rate – |
Annual Percentage Yield* – |
|
Account |
Minimum balance to earn dividends – |
Dividend Rate – |
Annual Percentage Yield* – |
Disclosures
*APY = Annual Percentage Yield. Advertised APYs are subject to change at any time without notice. Fees may reduce earnings.
The Make Waves Checking account is a tiered rate account. You may qualify for a higher dividend rate and annual percentage yield if you meet the minimum qualification requirements during the monthly qualification cycle. To meet the minimum qualification requirements, you must: a) enroll in and receive free e-statements; b) complete 15 or more credit card or debit card transactions that post and settle to your account; and c) have direct deposits of at least $1,000.00. The monthly qualification cycle is defined as a period beginning on the first day of the calendar month and ending on the last day of the calendar month. Qualifying credit card transactions include those transactions reflected on your Visa Credit Card statement for the period which closes during the monthly qualification cycle. Assume, for example, that your credit card statement period closes on the 10th of the month. For the monthly qualification cycle beginning July 1st and ending July 31st, those credit card transactions that post and settle during the credit card statement period ending July 10th will be included as qualifying transactions. Debit Card transactions may take one or more business days from the date the transaction was made to post and settle to your account. The debit card transactions must post and settle during the monthly qualification cycle in order to qualify for the higher dividend rate and annual percentage yield. If you meet the minimum qualifications requirements during the qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and annual percentage yield listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to the entire balance in the account.