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Rock your world with music, movies, apps and more, and let your free Xtra Tunes checking pay for it!

Key Features

Digital Download Refunds

ATM Refunds

Digital Banking

  • Free checking that pays you to shop online
  • Earn $5 in refunds for iTunes® or Amazon® purchases every month*
  • Get $30 in refunds for iTunes or Amazon purchases when you open your account*
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking services
  • Free EMV debit card
  • $50 minimum deposit to open

Here’s How You Qualify

Enrollments must be in place and all of the following transactions and activities must post and settle to your Xtra Tunes Checking account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements 

That's all there is to it. Even if you don't meet your qualifications during the cycle, your Xtra Tunes account is still free. And you can get right back to earning your rewards the very next month!

*The minimum to open account is $50. You will be refunded up to $30 for iTunes®/Amazon® purchases that post to and settle account during the first 30 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes®/Amazon® purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Xtra Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Limit one account per SSN. iTunes is a registered trademark of Apple, Inc. and Amazon is a registered trademark of Amazon.com. Apple Inc. and Amazon.com are not participants in or sponsors of this program.