Checking account that pays! Earn preferred interest plus refunds on ATM withdrawal fees, nationwide.
- Preferred Interest Rewards
- Free Online Services
- Mobile Deposits
- Synergy EMV Debit Card
- Free checking that can earn preferred interest
- 1.21% APY1 on balances up to $15,000
- 1.21% to 0.10% 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
- Link to Synergy Saves® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free online services
- Free Synergy Visa® EMV debit card
- Add Perk Club for $5 per month
- $100 minimum deposit to open2
Qualifying is a Snap!
It's so easy to qualify, 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'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!