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!

Woman using laptop with her debit card in hand

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 debit card compatible with Apple Pay®, Google Pay™ and Samsung Pay®
Free online banking and bill pay
Free mobile banking with mobile check deposit_†
FREE e-statements
FREE use of Zelle®
FREE card control and real-time alerts
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

*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.
†Standard data and text messaging rates may apply.
**Annual Percentage Yield. New qualifying cycle begins each statement period. For Personal Accounts only.

PowerUp Checking as of May 31, 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!

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Effortless Checking

A checkless checking account with no overdraft fees.

Effortless Checking is a simple checkless checking account that helps you safely deposit your paycheck, pay bills, establish credit, save for emergencies, and access your funds without carrying cash.

Less worry – This account doesn’t charge overdraft or non-sufficient funds fees, so you’ll never be hit with a surprise fee.

Low monthly fee – $5 per month

Lots of benefits such as:

FREE debit card compatible with Apple Pay®, Google Pay™ and Samsung Pay®
FREE online banking and bill pay
FREE mobile banking with mobile check deposit_†
FREE e-statements
FREE use of Zelle®
FREE card control and real-time alerts
No minimum balance requirement
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
CAPTCHA
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Traditions Bank keeps your information private. It will not be shared with third parties who will contact you. View our Privacy Policy.
Email
This field is for validation purposes and should be left unchanged.

Basic Checking

A checking account that’s solid and dependable stands the test of time.

So, pursue those traditions that make life meaningful and manage your money well in the process. This account will be there for you, and so will we.

FREE debit card compatible with Apple Pay®, Google Pay™ and Samsung Pay®
FREE online banking and bill pay
FREE mobile banking with mobile check deposit_†
FREE e-statements
FREE use of Zelle®
FREE card control and real-time alerts
No minimum balance requirement
NO Traditions Bank charge on any U.S. ATM withdrawals
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.

†Standard data and text messaging rates may apply.
*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.

Checking with Interest

Smart savers don’t let their money sit around doing nothing.

That’s why we offer Checking with Interest featuring tiered interest rates. The higher your balance, the more interest you earn.

Free financial consultation upon request
Free point-of-sale transactions with a Traditions Bank MasterCard MasterMoney™ debit card,
compatible with Apple Pay®, Google Pay™ and Samsung Pay®
Free online banking and bill pay
Free mobile banking with mobile check deposit_†
FREE e-statements
FREE use of Zelle®
FREE card control and real-time alerts
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.
†Standard data and text messaging rates may apply.
*ATMs outside of the MoneyPass® network may charge a fee for withdrawals.

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 May 31, 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.