Synergy Checking

With our Synergy Checking, you will earn higher interest2 and receive domestic ATM fee refunds3 while having immediate access to your money when you meet the Synergy Checking qualifications1.

Additional features include:

  • $25.00 minimum to open account
  • No minimum balance required to receive:
    • No monthly service charge
    • No per-check charge
    • Free Online Banking and Bill Pay
  • Easy-to-balance monthly statements
  • Check images returned for easy record keeping

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Synergy Checking Account1 APY* Minimum to Obtain APY Interest Rate
On balances up to $15,000.00 (if you qualify)1 2.25% $0.01 2.23%
On portion of balance exceeding $15,000.00 (if you qualify)1 2.25% to 0.76%2 $15,000.01 0.50%
Base Rate on full balance (if you do not qualify)1 0.05% $0.01 0.05%
Effective December 14, 2018
The rate on Checking Accounts are variable and may change after the account is opened.

Higher Interest Rates!2
Domestic ATM Fee Refunds3
No Minimum Balance!

1To qualify for Synergy Checking rates and receive domestic ATM fee refunds you must perform the following during the monthly “qualification cycle:”

  • Have at least 10 debit card purchases** post and settle.
  • Have at least 1 automatic payment (ACH), 1 direct deposit, or 1 Online Bill Payment post and settle.
  • Be enrolled and receive eStatements via Online Banking. Contact us on how to enroll!

**Note: ATM processed transactions do not count as qualifying debit card purchases for purposes of earning rewards within this account.

2Annual Percentage Yield (APY) is effective as of  December 14, 2018. The rate may change after the account is opened. Available for personal accounts only. For balances up to $15,000, the APY is 2.25%. The minimum balance to earn this APY is $.01. For the portion of your balance above $15,000, the interest rate is 0.50% with an APY varying from 2.25% for a balance of $15,000.01 to .76% assuming a maximum deposit of $100,000. The minimum balance to earn the APY in this range is $15,000.01. The minimum balance to open the account is $25. If you do not meet the three requirements delineated above during a “qualification cycle,” your account will still be free; however, you will earn the base APY of .05% for the statement period and you will not receive domestic ATM fee refunds for the statement period. The minimum balance to earn this APY is $0.01. Fees could reduce earnings on the account.

Enrollment in online banking and in electronic statements is required to meet certain qualifiers. Please contact us for details on how to enroll.

Please note transactions MUST post to and settle your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account.

3Domestic ATM Fee Refunds
If you meet the requirements associated with a qualification cycle period for Synergy Checking, we will reimburse you for domestic ATM fees. ATM fee reimbursement will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.

“Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Restrictions – Only one account per tax owner, with a limit of two accounts per household.

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