Reward Checking®

Classic Bank offers this free checking account that pays you high interest without asking for a monthly fee. Instead, we'll give you 1.51% APY and ATM fee refunds nationwide*, all just for doing a few everyday things you most likely already do.

Stop dealing with fees and start getting rewarded. Open your Reward Checking account today!

  • 1.51% APY* on balances up to and including $15,000.99 when qualifications are met
  • 0.63% to 1.51% APY on balances over $15,000 depending on balance in account*
  • 0.05% APY if monthly qualifications aren't met
  • Nationwide ATM fees automatically refunded*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free online banking with bill pay
  • Free e-statements
  • Free mobile banking
  • Free Visa® check card
  • Unlimited check writing
  • $750 Overdraft Bounce Protection
  • $50 minimum to open
  • Receive a thank you gift just for opening the account
  • FDIC insured

To receive the high Annual Percentage Yield and ATM fee refunds nationwide, simply perform these everyday activities each monthly qualification cycle:

  • Receive all account related disclosures and monthly statements electronically (e-statement)
  • Have at least 10 debit card purchases post and clear per monthly qualification cycle
  • Have at least one automatic payment or direct deposit post and clear
  • Provide and maintain a valid email address


Available on personal accounts

Nationwide ATM fees automatically refunded when monthly qualifications are met.

*Earn 1.51% Annual Percentage Yield (APY) on balances up to $15,000.99 and 0.63% - 1.51% APY on balances over $15,001.00 and refund of ATM fees when you meet the following qualifications: have at least ten (10) Visa Check Card Point of Sale (POS) transactions (excludes ATM transactions) post and clear per monthly qualification cycle; provide and maintain a valid email address; receive your monthly statement electronically and pay one bill via auto draft or have a direct deposit per monthly qualification cycle. When eligibility qualifications are not met, you will earn 0.05% APY on entire account balance and nationwide ATM fees will not be refunded. APY accurate as of 6/1/17 and may change after the account is open. $50 minimum balance to open account.

Bounce disclaimer:

Bounce Paid Overdraft item fee of $25.00 imposed for each Bounce Paid Overdraft item. A fee may be imposed for paying overdrafts created by check, in-person withdrawal, ATM, POS, or other electronic means. You must bring account to a positive balance at least every 30 days. Typically, overdrafts will not be paid if account is not in good standing, you are not making regular deposits, or you exceed the predetermined Bounce limit. Payment of overdrafts is discretionary and we reserve the right not to pay.