Cash-in on big time rewards — earn high interest on your balance and get refunds on ATM withdrawal fees*, all for free.



Key Features

  • High Interest
  • ATM Withdrawal Fee Refunds*
  • No Monthly Fees
  • Free checking that pays high interest
  • 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
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • eStatements
  • Free debit card
  • $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! Enrollments must be in place and all of the following transactions and activities must post and settle to your Big Account during each Monthly Qualification Cycles:

  • At least 1 direct deposit or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in 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 1/10/2023. 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. Statement cycle ends on the second Thurday of each month. 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.