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Set it and forget it — just link your Xtra Checking or Xtra CashBack checking for automatic savings.

Key Features

Automatic Savings

High Interest

No Monthly Fees

  • Free account that builds your savings effortlessly
  • Links to free Xtra Checking or Xtra CashBack Checking
  • Automatic transfers of Xtra Checking or Xtra CashBack Checking earnings
    • 0.50% APY* on balances up to $15,000
    • 0.50% to 0.105% APY on balances over $15,000 depending on balance in account*
    • 0.01% APY* if qualifications are not met in Xtra Checking or Xtra CashBack Checking
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking services
  • $50 minimum deposit to open

Here’s How You Qualify

Qualifying for your Xtra Checking or Xtra CashBack Checking rewards automatically qualifies you for the highest Xtra Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Xtra Checking or Xtra CashBack 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 or Xtra CashBack Checking account is still free. And you can get right back to earning your full rewards the very next month!

*APY=Annual Percentage Yield. APYs accurate as of 07/01/2014. 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, domestic ATM fees incurred during qualification cycle will be reimbursed up to $20, credited to account on the last day of monthly statement cycle, then transferred to Xtra Saver the following business day. 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. Interest earned in Xtra Checking is credited to account on the last day of the of monthly statement cycle, then transferred the following business day to Xtra Saver 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. If qualifications in Xtra Checking are met each monthly qualification cycle: (1) balances up to $15,000 in Xtra Saver receive an APY of 0.50%; and (2) balances over $15,000 in Xtra Saver earn 0.1050% interest rate on portion of balance over $15,000, resulting in a range of 0.50% to 0.11% APY depending on the balance. If qualifications are not met on Xtra Checking, all balances in Xtra Saver earn 0.01% APY. 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.

*APY=Annual Percentage Yield. APYs accurate as of 07/012014. Rates may change after account is opened. Minimum to open is $50 for Xtra CashBack and $50 for Xtra Saver. When monthly qualifications are met, you will receive 4% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back of $8 per monthly qualification cycle. Xtra CashBack rewards will be credited to the Xtra Saver on the last day of the monthly statement cycle. For Xtra CashBack, if qualifications are met each monthly qualification cycle, domestic ATM fees incurred during qualification cycle will be reimbursed up to $20, credited to the Xtra Saver on the last day of monthly statement cycle. Qualifying transactions must post and settle to account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If qualifications in Xtra CashBack are met each monthly qualification cycle: (1) balances up to $15,000 in Xtra Saver receive an APY of 0.50%; and (2) balances over $15,000 in Xtra Saver earn .01050% interest rate on the portion of the balance over $15,000, resulting in 0.50% - 0.11% APY depending on the balance. If qualifications are not met on Xtra CashBack, all balances in the Xtra Saver earn 0.01% APY. 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.