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Earn high interest — up to 2.75% APY* — plus up to $20 a month in refunds on ATM withdrawal fees, nationwide.*

Key Features

High Interest Rewards

ATM Refunds

Digital Banking

  • Free checking that pays high interest
    • 2.75% APY* on balances up to $10,000
    • 2.75% to 0.45% APY on balances over $10,000 depending on balance in account*
    • 0.01% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Link to free Xtra Saver to build savings automatically
  • 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 Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Xtra Checking account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

*APY=Annual Percentage Yield. APYs accurate as of 07/01/2013. Rates may change after account is opened. Minimum to open is $50 for Xtra Checking and $50 for Xtra Saver. For Xtra Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.75%; and (3) balances over $10,000 earn 0.1050% interest rate on the portion of the balance over $10,000, resulting in a range of 2.75% to 0.11% APY depending on the balance. If qualifications are not met on Xtra Checking all balances earn 0.01% APY. Qualifying transactions must post to and settle Xtra Checking account during monthly qualification cycle. Transactions may take one or more banking days from the 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. The advertised Xtra Checking APY is based on compounding interest. Interest earned in Xtra Checking is automatically transferred to Xtra Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Xtra Checking APY. The Xtra Saver APYs may be less than Xtra Checking APYs. Fees may reduce earnings. Limit one account per SSN. Transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.