Online Banking

1st Rewards Checking

1st Rewards Checking

Free 1st Rewards Checking puts the power (and money) in your hands. On top of never paying a monthly service fee, you hold the key to unlocking interest that's 15x the national average*—simple, everyday banking activities you're probably already doing anyway.

Plus, earn ATM fee refunds not just in Central Wisconsin, but across the entire United States. Don't just bank. Reward yourself with 1st Rewards Checking.

  • 1.51% APY* on balances up to $15,000
  • 0.25% interest rate* on amount of balance over $15,000 (resulting in a 1.51%–0.42% APY* depending on balance)
  • 0.05% APY* if qualifications aren't met
  • Unlimited nationwide ATM fee refunds (up to $5 per transaction)*
  • No monthly service fee
  • No minimum balance requirements to earn rewards
  • Free online banking & bill pay
  • Free eStatements
  • Free MasterCard® debit card
  • Free telephone banking
  • Minimum deposit to open is $50


Qualifying for rewards is so easy, you're probably already doing it! It's as simple as doing the following during each monthly qualification cycle:

  • Have at least 10 debit card purchases post and clear
  • Have at least 1 automatic payment or direct deposit post and clear
  • Receive free eStatements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning huge interest and nationwide ATM fee refunds the very next month.

*Minimum deposit to open is $50.00. APY=Annual Percentage Yield. APYs are accurate as of 07/01/2012. Rates may change after the account is opened. If qualifications are met each monthly qualification cycle: (1) we will reimburse you for the ATM fees imposed during the monthly qualification cycle by our institution and other U.S. financial institutions for ATM fees under $5.00. By accepting surcharge fees of $5.00 or above you are aware this fee is non-refundable. ATM fee reimbursements will be credited to your account on the last day of your statement cycle; (2) balances up to $15,000 receive an APY of 1.51%; and (3)balances over $15,000 earn 0.25% interest rate on the portion of the balance over $15,000, resulting in an APY range of 1.51% to 0.42% depending on the balance. If qualifications are not met, all balances earn 0.05% APY. National checking average comparison according to made on 7/1/12.Qualifying transactions must post to and clear account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and clear an account. Transfers between your accounts with us do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings. Available for personal accounts only. Limit one account per SSN.

Fulfilling the dreams of people, businesses and communities through innovative financial solutions.