Earn high interest and pay no monthly maintenance fee when you perform easy banking basics.*

Key Features

Competitive Interest

Competitive Interest

Unlimited Free ATM Transactions

Unlimited Free ATM Transactions

Digital Banking

Digital Banking

Debit Card

Debit Card

  • Earn a high interest rate when qualifications are met*
  • Avoid the monthly maintenance fee when qualifications are met*
  • Unlimited monthly transactions
  • Unlimited free transactions at Aquesta and non-Aquesta ATMs
  • Free digital banking services
  • Free debit card
  • Free direct deposit
  • Free notary services
  • Free personal insurance review

Qualifications

The following requirements must be met every statement cycle based on previous month’s activity to avoid the $10 monthly maintenance fee and earn interest:*

  • E-statement required
  • 5 EFT/ACH transactions or 1 ACH/Direct Deposit credited to the account
  • 8 debit card transactions post to the account

*FLAGSHIP Checking account changes effective January 23, 2017.

Tier 1 - An interest rate of 0.25% will be paid on the entire portion of your daily balance that is less than $10,001.

Tier 2 - An interest rate of 1.50% will be paid only for that portion of your daily balance that is $10,001 - $35,000. The APY for this tier will range from 1.50% to 0.25% depending on the balance in the account.

Tier 3 - An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $35,000. The APY for this tier will range from 1.50% to 0.25% depending on the balance in the account.

The following qualifiers must be met or a monthly service charge of $10.00 will be imposed every monthly statement cycle based on previous month’s activity:

1) statement received via e-statement; and

2) five (5) EFT/ACH transactions or one ACH Direct Deposit credited to the account; and

3) eight (8) debit card transactions post to the account.*

If qualifiers are not met for the current statement cycle, an APY of 0.00% will be paid on the ENTIRE balance for the next monthly statement cycle.

* Debit card transactions are defined as; ATM POS one-time purchase and ATM POS recurring purchase.

Mobile Deposit is available as long as the account has been maintained in a satisfactory manner*.

*Satisfactory manner is defined as no more than one (1) NSF or chargeback during the initial six (6) months the account is open.

Mobile Deposit can be removed at any time without notice at the bank’s discretion.

Fees could reduce earnings.