Interest Rewards Checking
Earn interest, plus refunds on nationwide ATM fees! That's right - we'll actually pay you to bank here.
Open Account OnlineGrow your money faster, especially when you link your Interest Rewards Checking account to an Interest Rewards Saver account. And get refunds on nationwide ATM fees (if qualifications are met).
Key Benefits
- Earn interest
- No monthly fees
- Refund on ATM fees (if qualifications are met)*
Details
- 3.00% APY (Annual Percentage Yield) on balances up to $25,000 (if qualifications are met)*
- 1.00% APY (Annual Percentage Yield) on balances over $25,000
- 3.00% to 1.05% APY (Annual Percentage Yield), depending on the account’s balance (assuming a maximum balance of $100,000)
- 0.05% APY (Annual Percentage Yield) if qualifications are not met*
- Nationwide ATM fee refunds
- No minimum balance to earn rewards
- No monthly service fee
- $50 minimum deposit to open
Earning Interest and ATM Refunds Is Easy
To earn your rewards, simply do the following activities and transactions in your Interest Rewards Checking account each monthly qualification cycle:
- Have at least 5 debit card purchases (each in the amount of at least $5.00) post and settle to your account
- Be enrolled in online banking, and be enrolled in and agree to receive eStatements
If you don’t qualify for the month, don’t worry! There’s no monthly service fee, and you can get back to earning interest the very next qualification cycle!
Check out the 2026 Rewards Checking qualification calendar:
View calendar
Checking Account Rates
| Account Name | Minimum to Open | Minimum Daily Balance to Earn Interest | APY1 |
|---|---|---|---|
| Account Name Interest Rewards Checking2 |
Minimum to Open $50 |
Minimum Daily Balance to Earn Interest $0 - $25,000 |
APY1 3.00% |
| Account Name
|
Minimum to Open
|
Minimum Daily Balance to Earn Interest
|
APY1
|
Ways To Open an Account
Opening an account is simple.
Open Online
Open AccountSchedule an Appointment
Visit a branch
Not sure which checking account is right for you?
Additional Information
* Rewards Qualification Information
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A minimum $50 deposit is required to open Interest Rewards Checking. No minimum balance other than tiers stated below are required to earn the APY (Annual Percentage Yield). There are no recurring monthly service charges or fees to open or close this account unless the account is closed within the first ninety (90) days. Please refer to our separate fee schedule for additional information about charges.
To earn your rewards, complete the following transactions and activities in your Interest Rewards Checking account during each Monthly Qualification Cycle:
- Have at least 5 debit card purchases (each in the amount of at least $5.00) post and settle to your account
- Be enrolled in online banking, and be enrolled in and agree to receive e-Statements
Please be aware that it may take one or more business days after your transaction date for a transaction to post to your account. Transactions occurring during the last few days of the qualification cycle may not post to your account in time to count towards rewards. Qualification cycle calendar is available here.
Balances up to $25,000 receive APY (Annual Percentage Yield) of 3.00%; and balances over $25,000 earn 1.00% APY on the portion of the balance over $25,000, resulting in a range from 3.00% to 1.05% APY depending on the account’s balance (assuming a maximum balance of $100,000). You will also receive reimbursements for nationwide ATM fees (up to $20.00) incurred during the monthly qualification cycle in which you qualified. Interest and ATM fee reimbursements will be credited to your Interest Rewards Checking account on the last day of the statement cycle. Rates and rewards are variable and are subject to change. APYs accurate as of 3/18/2026. Refer to BrentwoodBank.com/Rates for current rates. Fees may reduce the earnings on the account.The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by Brentwood Bank as ATM transactions and purchases made with non-Brentwood Bank issued debit or credit cards. “Monthly Qualification Cycle” means the current Statement Cycle.
When Interest Rewards qualifications are not met, all balances earn 0.05% APY and ATM fees are not refunded.
Consumer Fee Schedule
Fees may reduce earnings.
1 Annual Percentage Yields (APY) are based upon daily balance.
2 To earn rewards, simply perform the following activities and transactions in your Interest Rewards Checking account each monthly qualification cycle: