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Free Reward Checking

Free checking is good — free checking with high interest is even better! Choose Free Reward Checking, and enjoy interest greater than a Savannah live oak!

You'll earn 1.00% APY,* as well as refunds on your ATM fees anywhere in the country (not just in Georgia!).* Connect your account to Free Real Saver to build your savings automatically.

  • Free checking plus high interest
  • 1.00% APY* on balances up to $25,000
  • 0.25% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM fees nationwide (unlimited)*
  • Can link to high-interest Free Real Saver savings account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free mobile banking
  • Free e-statements
  • Free MasterCard® debit card
  • Unlimited check writing
  • $50 minimum deposit to open

It's Easy to Get Your Rewards

Just meet some easy qualifications! To earn your rewards, simply do the following activities and transactions in your Free Reward Checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 direct deposit post and settle

That's it! And even if you don't meet your qualifications one month, you'll still earn our base rate of interest. Plus, your Free Reward Checking account is still free — and you can get right back to earning your full rewards the very next month.



*APY=Annual Percentage Yield. APYs accurate as of 11/03/2014. Rates may change after account is opened. $50 minimum to open. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle. You will receive unlimited reimbursements on nationwide ATM fees incurred during the Monthly and Qualification Cycle in which you qualified. If qualifications are not met, ATM fees are not refunded; (2) balances up to $25,000 receive APY of 1.00%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 1.00% -0.25% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Phone (912) 564-7390