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ROUTING # 281076730

High Interest Reward Checking

High Interest Reward Checking

Earn high dividends on your High Interest Reward checking account balance!

Open your account today online or with a live representative through our Go Live, Video Banking Channel!

With High Interest Reward Checking, there's no minimum balance requirement to earn our highest rates and we'll refund your ATM fees.*

Features and benefits

  • 5.00% APY* on balances up to $10,000
  • 0.25% APY on balances over $10,000
  • 0.01% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees*
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking and online bill pay
  • Free paperless e-statements
  • Free debit card


Earning High Interest rewards is easy. Enrollments must be in place and all of the following transactions and activities must post and settle to your High Interest account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your High Interest Reward Checking account is still free with e-statements. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month you qualify!

Get started and open your account today!

*APY = Annual Percentage Yield. Rate subject to change. There is a limit of one Rewards Checking account per member. No commercial accounts may participate in this program. The following features are unique to Rewards accounts: In order to earn the Qualifying Rate for the dividend period specified in the schedule above and to qualify for additional benefits as described herein for a particular monthly qualification cycle, High Interest Reward Checking and Cash Back Reward Checking accounts must satisfy the following requirements: 1) a minimum of 12 debit card purchases post to your High Interest Reward Checking or Cash Back Reward Checking account; 2) you receive monthly e-Statements for the account; and 3) you log into online banking at least once during the cycle. Please note that the transactions MUST actually post to your account during the monthly qualification cycle. Reward Savings accounts must be linked to a High Interest Reward Checking or Cash Back Reward checking account. If the account qualifications are met for a Monthly Qualification cycle for the High Interest Reward Checking Account, you will receive 5.00% APY on balances up to $10,000. Balances over $10,000 will earn 0.25% APY. Rewards based on average balance. If the linked checking account satisfies the qualification requirements for a monthly qualification cycle, the Reward Savings account will earn the qualifying rate for that cycle up to $10,000. Otherwise, the Reward Savings Account will earn the nonqualifying rate for that cycle. A qualification cycle begins on the first day of a calendar month and ends on the last day of the calendar month.  

If you have met your qualifications during the Monthly Qualification Cycle, we will reimburse you for ATM fees, up to $25, imposed during the Monthly Qualification Cycle by our institution and other U.S. financial institutions. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.  ATM fee rebates will be transferred to your Reward Savings account if you have one.  

Other membership fees may apply to your accounts. See our fee schedule for full details. Free checking offer excludes business checking services.

The National Credit Union Administration (NCUA), a U.S. government agency, insures your account up to $250,000 per member. When your accounts exceed $250,000, the maximum level of coverage provided through NCUA, you are also insured up to an additional $250,000. Your board of directors has chosen to provide this exceptional level of insurance through a private company. This supplemental insurance is provided by Excess Share Insurance (ESI) Corporation. ESI is a subsidiary of American Share Insurance, the nation's largest private deposit insurer for credit unions. Excess share insurance is available only to credit unions meeting the company's rigid requirements and standards of performance.

About 1st MidAmerica

As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances.

Read more about us