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Dividend Rewards Checking

You earned it. Watch it grow. Earn up to APY

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

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


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 benefits1

Your debit card provides:

  • Extended Warranty
  • Price Protection
  • Identity Theft Resolution Services
  • And more

Find Out More

Knowledge base

Maximize Your Dividends

How to use your Dividend Rewards Checking

Knowledge base

Order Checks Online

How to get checks without visiting a branch

Knowledge base

What is Overdraft Protection?

How to decide whether it is right for you