It pays to bank with us!

Earning interest is a snap with this easy-to-use account.


Key Features

  • Cash Rewards1
  • No Monthly Maintenance Fee
  • Free Digital Banking
  • Free checking that can earn preferred interest:
    • 2.25% APY1 on balances up to $15,000
    • 2.25% to 0.75% APY1 on portion of balances over $15,000, depending on balance in account
    • 0.05% APY1 if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $45 monthly)1
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Link to Synergy Saves to build savings automatically
  • Add Perk Club for $5 per month
  • Free Visa® debit card
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • Free mobile wallet services available
  • $100 minimum deposit to open2

Qualifying is Super Simple

In fact, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Synergy Pays account during each Monthly Statement Cycle:

  • At least 1 direct deposit or ACH payment post and settle
  • At least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Synergy Pays account is still free. Plus, you can get right back to earning your full rewards the very next month!

1APY = Annual Percentage Yield. APYs accurate as of 11/21/23. Rates may change after account is opened. Minimum to open is $100 for Synergy Pays. Qualifications to earn rewards during each Monthly Statement Cycle include: at least one direct deposit or Automatic Payment (ACH) must post and settle, be enrolled in and agree to receive eStatements, and at least twelve debit card purchases must post and settle. For Synergy Pays, if qualifications are met each monthly statement cycle: (1) Domestic ATM fees incurred during statement cycle will be reimbursed up to a maximum total of $45 per month and credited to account on the last day of the monthly statement cycle; (2) balances up to $15,000 receive APY of 2.25%; and, (3) balances over $15,000 earn 0.75% interest rate on the portion of the balance over $15,000, resulting in 2.25%-0.75% APY depending on the balance. If qualifications are not met on Synergy Pays, all balances earn 0.05% APY. Qualifying transactions must post and settle to Synergy Pays account during monthly statement cycle. Transactions may take one or more business days from the date transaction was made to post and settle to the account. ATM-processed transactions and intra-bank transfers between accounts do not count towards qualifying transactions. “Monthly Statement Cycle” means a period ending on the third Wednesday of each month. Contact us for more information.

2All new accounts are subject to a $10.00 early closure fee if the account is closed within 180 days of opening the account.