Online Banking

Dividend Rewards Checking

You earned it. Watch it grow.

Account icon
  • This account is right for you if you:
  • Want to earn a higher dividend with greater account usage

    Actively use your debit card

    Prefer to receive e-Statements

  • You'll benefit from:
  • Qualified accounts earn a higher dividend rate

    No minimum balance or monthly maintenance fees

    Surcharge-free access at nearly 30,000 CO-OP Network ATMs nationwide

    Qualified accounts earn ATM surcharge rebates at out-of-network ATMs

    RateAPY = Annual Percentage Yield.  Effective 12.01.17 a qualified Dividend Rewards Checking account has a 1.58% APY paid on balances between $.01 and $10,000 and a qualified 0.16% APY paid on balances above $10,000 each calendar month the minimum qualifications are met. To earn the qualified APY, the following requirements must be met: (1) make 12 debit card purchases (2) have one direct deposit or ACH withdrawal and (3) receive electronic statements. Qualifying transactions must post to your account prior to the last day of the month. If you do not meet qualification requirements, your account will still function as a maintenance fee free checking account earning the prevailing standard APY of 0.05%; however, you will not receive ATM rebates for that calendar month. Opening a Membership Share Account with a deposit of $5.00 is required prior to opening any other type of account. Effective 12.01.17 Membership Savings Account has a 0.05% APY. Accounts are subject to approval. Rates, terms and conditions subject to change at any time.

  • Open an Account

You'll Benefit From

Manage your money when and where you want:

Access your account online

Deposit checks and pay bills with our free mobile app

Enter a branch at nearly 6,000 CO-OP Shared Branch locations

Checking benefits


Real-time fraud monitoring

Secure online access

Free overdraft transfer from savings or line of credit

Chip and PIN enabled debit card

Earn a higher dividend rate & ATM fee rebates when you:

Use your debit card for a minimum of 12 purchases

Set up direct deposit or one recurring ACH withdrawal

Enroll in e-Statements (for each qualifying period)


Cardholder benefitsCertain terms, conditions and exclusions apply. See our Debit MasterCard Benefits Guide for further details.

Your debit card provides:

Extended Warranty

Price Protection

Identity Theft Resolution Services

And more

Find Out More

Article icon
Maximize Your Dividends

How to use your Dividend Rewards Checking

Read More
Article icon
Order Checks Online

How to get checks without visiting a branch

Read More
Article icon
What is Overdraft Protection?

How to decide whether it is right for you

Read More