High Interest Checking Account with Rewards

Earn up to 6.00% APY* while getting rewarded for everyday spending.

Earn up to 6.00% APY on qualifying balances
Get rewarded for everyday debit card purchases
No monthly fees

Open an Account

Why Choose Momentum Checking?

Momentum Checking is a high interest checking account designed to help you earn more on your everyday banking without giving up the convenience and features of a traditional checking account.

Earn High Interest on Your Balance

Earn more on your balance than a traditional checking account with qualifying activity.

Earn Rewards for Everyday Spending

Turn everyday debit card purchases into rewards you can actually use.

No Monthly Service Fees

No monthly services feed means more of your money stays in your account.

How to Earn Interest with our High Yield Checking Account

Earn more on your balance when monthly requirements are met.

1. Meet Monthly Requirements

Open your account with a $25 minimum deposit and set up direct deposit.

2. Use Your Debit Card

Make at least 15 non-ATM debit card transactions during each qualification period.

3. Earn Interest on Your Balance

Earn up to 6.00% APY on your checking account balance when all requirements are met.

Momentum Checking Rates

Tier

Rate

$0 - $9,999.99

6.00% APY*

$10,000 - $49,999.99

3.00% APY*

$50,000 - above

0.00% APY*

Ready to start earning more on your checking balance?

Open an Account

Is Momentum Checking Right for You?

You want to earn a high interest rate on your checking account balance

You regularly use your debit card for everyday purchases

You want to earn rewards on purchases you’re already making

You prefer a checking account with no monthly service fees

You want a checking account with the tools and features you need for everyday banking

Compare Checking Accounts

Account Features

Digital Banking

Free online and mobile banking with Smart Deposit
Bill pay, mobile and text banking, eStatements, and eNotices

Everyday Convenience

Free debit card with points and perks
Direct deposit, unlimited check writing, and easy account access

Financial Tools & Protection

Credit score monitoring and alerts
Overdraft protection and Courtesy Pay up to $750
Free access to Money Management

Ready to earn more with Momentum Checking?

Open your account online in just minutes.

Open an Account

Find a Branch Near You

Frequently Asked Questions

Do Momentum Checking accounts have monthly fees?

No, Momentum Checking has no monthly service fees.

How do I open a Momentum Checking account?

You can open a Momentum Checking account online in minutes or visit a local branch to get started. A $25 minimum deposit is required to open the account.

How do I earn the interest rate?

To earn the rate on your Momentum Checking account, you must complete at least 15 non-ATM debit card transactions during each monthly qualification period.

How often is interest paid?

Dividends are compounded monthly and credited to your account each month.

What happens if I don’t meet the requirements?

If you don’t meet the monthly requirements, you won’t earn dividends for that qualification period. However, your account will remain open and there are no penalties.

Is there a minimum balance required?

A $25 minimum deposit is required to open the account. There is no ongoing minimum balance required to maintain the account.

What is a high yield checking account?

A high-yield checking account is a checking account that earns higher dividends than traditional accounts, typically when certain monthly requirements are met.

Which checking account is best for me?

The best checking account depends on your goals. If you want to earn higher dividends, Momentum Checking may be the right fit. You can also compare all of our checking accounts to find the option that works best for you.

*APY - Annual Percentage Yield effective 01/01/26. Rates may change after account open. Dividends are compounded monthly. $25.00 minimum balance to open Momentum Checking account. APY earned based on the following tiers and requirements: 6.00% APY earned on balances from $0 to 9,999.99; 3.00% APY earned on balances from $10,000.00 to $49,999.99; 0.00% APY earned on balances over $50,000.00; Momentum Share Draft Accounts must meet the following account qualifications to earn the qualifying dividend rate and APY: Fifteen (15) Non-ATM debit transactions per qualification period. No dividends will be paid if all requirements are not met. Qualification period means a period of thirty-one (31) days preceding the 27th of each month. Fees could reduce the earnings on the account. Membership conditions may apply.