The Big Account

free checking account

Earn BIG interest with our BIG Account. The BIG Account is a reward checking account that is paying 1.10% APY on balances up to $15,000. But that's not all. The Big Account is just too big to tie down in Southeast Iowa. That's why we even reimburse up to $25 in ATM fees across the country.*

Cash in on big-time rewards and interest just by doing what you normally do anyway.

  • 1.10% APY* on balances up to $15,000
  • 1.10 to 0.10% APY* on balances over $15,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • ATM fee refunds nationwide (up to $25 monthly)*
  • No monthly service fee
  • No minimum balance to earn rewards
  • FREE online banking and bill pay
  • FREE eStatements
  • FREE debit card
  • Low $100 minimum deposit to open

Penalty-free Qualifications

There's never a monthly service fee or penalty fee, no matter how you use The Big Account — and it's easy to earn high interest and ATM fee refunds! To earn your rewards, use this account to do the following activities each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatements
  • Be enrolled and log into online banking

It's straightforward and simple. And the qualifications even save you time, while earning rewards. But if you come up short, don't worry. You can still earn rewards in full the very next cycle!

*APY=Annual Percentage Yield. APYs accurate as of 10/18/2016. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.10%; and (3) balances over $15,000 earn 0.10% interest rate on portion of balance over $15,000, resulting in a range of 1.10% to 0.10% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an 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. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN.