.jpg?sfvrsn=8a871e32_0 "Compare our Checking Accounts")
Checking Account Comparison
We invite you to switch to Better Banks and learn what it means to Bank Better.
Whether you are opening your very first checking account or moving to a new bank after many years, we have a checking account for you. We have the accounts to keep your finances simple, secure, and organized.
All of our checking accounts offer convenient digital banking tools so you can bank securely anytime, anywhere. Explore our checking account solutions and choose the account that’s right for you.
| Better Interest Checking | Simply Better Checking | Student Rewards Checking | |
|---|---|---|---|
| Money Management | |||
FREE Digital Banking |  | | |
FREE Bill Pay | | | |
| FREE Paperless Statements | | | |
| FREE Debit Card | | | |
| FREE Mobile Deposit | | | |
| Available Features & Fees | |||
| Earns Interest | | ||
| Earns Cashback ($5 per Month) | | ||
| ATM Refunds (Up to $20 per Month) | | | |
Minimum Deposit to Open | $100 | $100 | $50 |
 | | | |
BETTER INTEREST DISCLOSURE: Annual Percentage Yield (APY) accurate as of July 4, 2025. Minimum to open account is $100. Rate tiers are as follows: 2.00% APY applies to balances of $.01 - $10,000 and .15% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.03% APY applies to all balances if qualifications are not met. All balances will earn between 2.00% - .15% APY as long as qualifications are met. ATM fee refunds up to $20 per cycle when qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account and earn interest at the non-qualifying rate; however, it will not receive ATM refunds. Qualifications are as follows: 1) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle, 2) Receive eStatements each qualification cycle, and 3) Have at least 1 Direct Deposit or ACH Auto Debit post and settle per qualification cycle. If at any time you un-enroll from eStatements, your account may be changed to Simply Better Checking. Rates may change after the account is opened. No minimum balance required. No monthly service charge. Available to personal accounts only, only one account per social security number. Certain restrictions may apply.
STUDENT REWARDS DISCLOSURE: The minimum to open an account is $50. $5 reward will be deposited into your account monthly, as long as the qualifications are met each statement cycle. ATM fee refunds up to $20 per cycle when qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds. Qualifications are as follows: 1) Enroll in Digital Banking and log in at least once per month, 2) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle, 3) Receive eStatements each qualification cycle. If you unenroll from eStatements or Digital Banking, your account may be changed to Simply Better Checking, and no rewards will be received. No minimum balance is required. There is no monthly service charge. Available for students aged 13 to 23 currently enrolled in school. At age 24, the account will convert to Simply Better Checking. A parent or guardian must be a joint owner on any account under 18. Available to personal accounts only, only one account per social security number. Certain restrictions may apply.
SIMPLY BETTER DISCLOSURE: The minimum to open an account is $100. A $3 fee will be assessed for paper statements if you do not enroll in eStatements.
Terra - Peoria, IL
My bank accounts were compromised due to fraud. Stephanie at the Knoxville branch was amazing. She has helped me through the entire process. She spent time with me walking me through the process, opening new accounts, closing old accounts, reassuring me, and helping to keep me calm. She gave me amazing service, and I can't thank her enough for all her help!
