Remember when the Tooth Fairy used to sneak in and leave you money? Well, this account gives you money without any tooth-pulling at all! You can earn a fantastic 0.60% APY* on your checking balance each monthly qualification cycle with no monthly fees or minimum balance to earn rewards!
That's not all. We'll also refund ATM fees** when you use non-SBT ATMs—not just in the Suburban Chicagoland area, not just in Illinois, but nationwide! In fact, this account comes with so many free gifts you might start to think of us as Santa Claus!
Earning the rewards rate and ATM fee refunds each month is simple.
Chances are, you're meeting the qualifications without even knowing it! Each monthly qualification cycle you'll need to meet the following qualifications:
See? You're a natural!
And if for some reason you don't qualify one month, you still get our base rate of interest and unlimited free checking. And you can get the rewards back the very next month.
*Minimum to open account is $100. Annual Percentage Yield (APY) accurate as of 12/19/12.
Rate tiers are as follows: 0.60% APY applies to balances of $0.01 - $15,000 and 0.10% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if monthly qualifications are not met. All balances will earn 0.60% APY - 0.10% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Available to personal accounts only. One account per household. We reserve the sole discretionary right to refuse to open an account or close an existing account for any reason. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions.
**ATM Fee reimbursements (include a combination of both SBT's and other banks' fees for using another bank's ATM) up to $20 provided only if qualifications are met within the monthly qualification cycle.