.jpg?sfvrsn=8a871e32_0 "Compare our Checking Accounts")
Checking Account Comparison
Find a better account for you.
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 community or 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 (Online & Mobile App) |  | | |
| FREE Bill Pay | | | |
| FREE Paperless Statements | | | |
| FREE Debit Card | | | |
| FREE Mobile Deposit | | | |
| Available Features & Fees | |||
| Earns Interest (Earn 2.00% APY* on balances up to $10,000) | | ||
| Earns Cashback ($5 per Month) | | ||
| ATM Refunds (Up to $20 per Month) | | | |
| Minimum Deposit to Open | $100 | $100 | $50 |
| No Monthly Fees | | | |
| Qualifications | 1) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle | A $3 fee will be assessed for paper statements if you do not enroll in eStatements. | 1) Must be a student aged 13 to 23 currently enrolled in school. |
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*Annual Percentage Yield (APY) accurate as of August 15, 2025. 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.
Better Interest Checking Qualifications
1) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle
2) Receive eStatements each qualification cycle
3) Have at least 1 Direct Deposit or ACH Auto Debit post and settle per qualification cycle
Simply Better Checking Qualifications
A $3 fee will be assessed for paper statements if you do not enroll in eStatements.
Student Rewards Checking Qualifications
1) Must be a student aged 13 to 23 currently enrolled in school.
2) Enroll in Digital Banking and log in at least once per month
3) Have at least 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle
4) Receive eStatements each qualification cycle
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!
