Happy Couple at Beach

Call 904-475-8000 to Open Your Account

Make Waves with 4.00% APY* – Your Money Deserves to Earn More!

A High-Yield Checking Account That Rewards You Every Day

Why Choose Make Waves Checking?

 

  • πŸ“ˆ Earn 4.00% APY* on balances up to $15,000.
  • πŸ’³ Free debit card with nationwide ATM access.
  • πŸ’» Online and mobile banking for seamless control.
  • πŸ›‘οΈ No monthly fees or minimum balance requirements.

How It Works

It’s Easy to Start Earning High Yields

 

Qualify

πŸ“Œ Meet these simple monthly requirements:

  • ➑️ Complete 15 or more debit and/or credit card transactions per month.
  • πŸ“© Sign up for e-statements.
  • πŸ’΅ Have direct deposits of at least $1,000 per month.

 


Earn

πŸ’° Earn 4.00% APY* on balances up to $15,000.
πŸ’° Earn 1.50% APY* on balances of $15,000.01 or greater.

 


Relax

🌊 Watch your money grow while enjoying perks like:

  • πŸ–₯️ Online and mobile banking.
  • 🚫 No monthly fees or minimum balance requirements.

PUT YOUR CHECKING ACCOUNT TO WORK FOR YOU

Open a Make Wavesβ„’ High Yield Checking Account today

Open an Account

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.

Computer class=”wrapper”>

FREE 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 Phone class=”wrapper”>

FREE 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.

Debit/Credit Card class=”wrapper”>

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.

ATM class=”wrapper”>

30,000 SURCHARGE-FREE ATMs

Convenient access. Everywhere.

A nationwide network of over 30,000 surcharge-free ATMs ensures access to cash whenever you need it.

Storefont class=”wrapper”>

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.

Deposit class=”wrapper”>

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.

Start Making Waves with Your Finances Today!

Already helping thousands of members growth their savings. Connect with us to open your account.

Open a New Account
Get started online
Call Us
904-475-8000

Checking Account Rates

Checking Accounts

Account

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APYs listed are current as of 02/01/2025. Rates are subject to change without notice.
**Account Qualifications must be met to earn stated APY for Extreme Checking and Make Waves High Yield Checking.

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$0-$15,000

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%**

Account

Make Waves High Yield Checking

Minimum balance to earn dividends

$15,000.01 or greater

Dividend Rate

1.490%

Annual Percentage Yield*

1.500%**

Account

Make Waves High Yield Checking

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

Teen Checking

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.

SVG linear gradient