High Interest Personal Checking Accounts

How to Choose a checking account

No matter what stage of life you are in, Traditions Bank has products that will help you reach your financial goals. From a basic checking account to our unique interest-earning checking accounts, we’ll work with you to find just the right account or combination of accounts to meet your needs.

PowerUp Checking Effortless Checking Basic Checking Checking with Interest

PowerUp Checking

Forget the Fees. PowerUp Pays You!

PowerUp Checking is an innovative checking account that turns your Traditions Bank debit card purchases and a few clicks of your mouse into an unexpected interest rate!

No minimum balance requirement
No monthly service fees
Free online banking
Free bill pay
Free mobile banking†
Free mobile deposit
Free unlimited check writing
No Traditions Bank charge on any foreign ATM withdrawals
Surcharge-Free MoneyPass® ATM network member

Account qualifications per statement cycle in order to earn the highest available APY*:

At least 15 posted debit or credit point of sale (POS) purchases using your Traditions Bank debit card
At least one ACH credit or debit (direct deposit or automatic payment) from your account
Use of a monthly E-Statement
A valid email address

*Annual Percentage Yield. New qualifying cycle begins each statement period. For Personal Accounts only. †Standard data and text messaging rates may apply.

PowerUp Checking as of January 25, 2023Rates may change without notice.

Balance	Interest Rate	APY*
Balances up to $20,000	1.98	2.00
Over $20,000	0.05	2.00 to 0.21

*Annual Percentage Yield (APY) is subject to change after account is opened. APY assumes the following account qualifications are met per statement cycle in order to earn the highest available APY: at least 15 posted Debit or Credit point-of-sale (POS) transactions using your Traditions Bank Debit Card, at least one ACH Credit or Debit (Direct Deposit or Automatic Payment) from your account, and use of a monthly e-statement. If these qualifications are not met, the APY will be 0.05% on all balances in the account for the statement period.

Minimum deposit required to open account is $100.

See All Rates

Would you like to learn more about PowerUp Checking? Complete the form below and we’ll be happy to call or email you to explain how this interest-earning, no-fee checking account can work for you!

First Name*
First Name
Last Name*
Last Name
Email*

Email
Phone*
Phone
Address
Address
Address Line 2
Address Line 2
City*
City
State*
State
Zip*
Zip
Comment / Questions
Comment / Questions
Hidden Email
Traditions Bank keeps your information private. It will not be shared with third parties who will contact you. View our Privacy Policy.

Effortless Checking

Save money, save time, and build your financial security with Effortless Checking.

Effortless Checking is a less-worry checkless checking account and a smart step in participating in the financial mainstream, depositing your paycheck safely, paying bills, and saving for emergencies and the future.

Free online banking
Free debit card
Free bill pay
Free mobile banking†
Free mobile deposit
Free use of Zelle
lESS WORRY with no overdraft or non-sufficient funds fees
lESS WORRY $5 monthly maintenance fee / $15 minimum opening deposit
Less Worry No Traditions Bank charge on any U.S. ATM withdrawals
Surcharge-Free MoneyPass® ATM network member*

†Standard data and text messaging rates may apply.

*ATMS outside of the MoneyPass® network may charge a fee for withdrawals.

Would you like to learn more about Effortless Checking? Complete the form below and we’ll be happy to call or email you to explain how this no-worry bank account can work for you!

First Name*
First Name
Last Name*
Last Name
Email*

Email
Phone*
Phone
Address
Address
Address Line 2
Address Line 2
City*
City
State*
State
Zip*
Zip
Comment / Questions
Comment / Questions
Hidden Email
Traditions Bank keeps your information private. It will not be shared with third parties who will contact you. View our Privacy Policy.

Basic Checking

No minimum balance requirement
Surcharge-Free MoneyPass® ATM network member

A monthly service fee of $12.00 is avoided with at least one ACH credit/direct deposit per statement cycle.

Checking with Interest

Free financial consultation upon request
Free point-of-sale transactions with a Traditions Bank MasterCard MasterMoney™ debit card
No Traditions Bank charge on any foreign ATM withdrawals
Surcharge-Free MoneyPass® ATM network member

Our Checking with Interest account offers tiered competitive interest rates that begin with a balance of $0.01. A monthly service fee of $12.00 is avoided by maintaining a minimum balance of $1,000.

In addition, you may qualify for the following:

Relationship Benefits

Minimum balance for Checking with Interest is waived, a monthly service fee of $12.00 is avoided, and a 50% discount on safe deposit box rental is given if your account is linked to one of the following:

Savings balance of $2,500 or more
Certificate of Deposit balance of $10,000 or more
Total Personal Loan balance of $15,000 or more
Any combination of the above, plus Money Market balances, for a total of $15,000 or more

Traditions Privileges

Checking with Interest account owners age 50 and older qualify for free specialty checks and a 50% discount on safe deposit rentals.

Checking with Interest as of January 25, 2023Rates may change without notice.

Balance	Interest Rate	APY*
$0.01 to $99,999.99	0.05	0.05
$100,000 & Over	0.05	0.05

*Annual Percentage Yield (APY) is subject to change after account is opened. Fees could reduce earnings. Minimum deposit required to open the account is $100.