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Online Banking

Dividend Rewards Checking

You earned it. Watch it grow.

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  • 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

    Dynamic RateAPY = Annual Percentage Yield. Dividend Rewards Checking minimum opening balance $0.01. Effective 02.01.20, APY is 1.80% on balances between $.01 and $15,000 and 0.20% APY on balances over $15,000 each calendar month the minimum qualification are met. Qualifications per monthly cycle are 12 debit card purchases, one direct deposit or ACH withdrawal, and 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 ATM rebates for that calendar month.

  • 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

Satisfaction Guarantee

Identity Theft Resolution Services

And more