My Rewards Checking with REAL Saver

My Rewards Checking earns big-time interest plus nationwide ATM fee refunds**.  Those rewards are automatically transferred to REAL Saver.  These free accounts work together so your savings builds itself.

The "Rewards" include-

 

Checking Saver

2.50% APY*

for balances up to $25,000

1.25% APY*

for balances up to $25,000

0.50% APY*

for balances over $25,000

0.50% APY*

for balances over $25,000

0.05% APY*

when qualifications are not met

0.05% APY*

when qualifications are not met

 

To receive these "Rewards", each monthly qualification cycle, we ask you to do a few simple things in your My Rewards Checking:

  • Receive E-Statements
  • Access Online Banking
  • Have at least10 MC Debit Card Purchases post and settle
  • Have at least 1 Direct Deposit or ACH Auto Debit post and settle

And donít worry, if for some reason you donít meet these requirements one cycle, your account is still FREE and you will still receive 0.05% APY on your balance in both your My Rewards Checking and REAL Saver for that cycle. You will then start fresh to earn Rewards for your next cycle.  

2014 Qualification Cycles

Sound too good to be true? Itís Not! Check out the Frequently Asked Questions for more information.

When you are ready to open a My Rewards Checking account with REAL Saver come in and see one of our New Account Representatives OR

Open a My Rewards with REAL Saver Online*
*clicking this link will take you to another website to apply

Account Opening Limited to Residents of Kansas and Missouri

For existing customers who would like to switch their current USB/BOA/BOG/BOM checking account to a My Rewards checking account, fill out a Change Request and bring it in to a Customer Representative.


*Minimum to open account is $25 for My Rewards Checking and $25 for Real Saver.  Annual Percentage Yield (APY) accurate as of 02/27/2012.  My Rewards Checking rate tiers are as follows: 2.50% APY applies to balances of $0-$25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle.  0.05% APY applies to all balances if qualifications are not met.  All Balances will earn 0.50%-2.50% APY if qualifications are met.  The advertised My Rewards Checking APY is based on compounding interest.  The interest earned in My Rewards Checking is automatically transferred to Real Saver each statement cycle and does not compound.  The actual interest paid may be less than the advertised APY.  The Real Saver APYs may be less than the My Rewards Checking APYs.  Real Saver tiers are as follows: 1.25% APY applies to balances of $0-$25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during monthly qualification cycle on My Rewards Checking.  0.05% APY applies to all balances if qualifications are not met on My Rewards Checking.  All balances will earn 0.50%-1.25% APY if qualifications are met on My Rewards Checking.  Qualifying transactions must post and clear My Rewards Checking during monthly qualification cycle.  Transactions may take one or more business days from transaction date to post to an account.  Intra-bank transfers do not count as qualifying transactions.  Rates may change after account is opened.  Fees may reduce earnings.  **ATM fee refunds (My Rewards Checking account only) up to $25 per monthly qualification cycle provided only if qualifications are met within monthly qualification cycle.