Rewards Checking

Rewards Checking gives you the opportunity to earn high interest and ATM fee refunds when you meet our simple qualifications.

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  • $25 minimum deposit to open
  • $9 monthly maintenance fee ($7 with eStatement); pay no monthly maintenance fee when you meet the monthly qualifications
  • Unlimited check writing
  • Debit card, Lake City Bank Digital, Zelle®
  • Overdraft services1


  • 0.26% APY2 paid on balances up to $15,000
  • 0.11% APY2 paid on balances greater than $15,000
  • Up to $25 monthly reimbursement on ATM fees nationwide

Monthly Qualifications to Receive Rewards

  • Make 8 debit card purchases that post and clear per qualification cycle3
  • Have one direct deposit or ACH auto debit post and clear per qualification cycle
  • Enroll in eStatements
  • Qualification Dates

If you do not meet these qualifications during a particular qualification cycle, you will not receive the rewards for that month, will earn 0.01% APY2 on your entire checking account balance and be charged the monthly maintenance fee.

Call our One Call Center at (888) 522-2265 for more information, or drop in one of our branch locations for more information or to open an account. Or

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Click here to learn about our Rewards Savings account – a perfect companion to Rewards Checking.

1Subject to approval
2APY = Annual Percentage Yield. Quoted APY is accurate as of June 3, 2023. APY is subject to change without notice at any time including after account opening. Fees may reduce earnings. For more information call (888) 522-2265.
3Debit card purchases are counted the day they clear your account which may be later than the transaction date.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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