TAPCO Rewards Checking | Earn 4.00% APY or 2% Cash Back

*Up to 2 days early access to direct deposit paychecks, dependent on payer and file timing; availability may vary.

APY=Annual Percentage Yield. No monthly service fee is charged for any checking account during the month that it is opened. All Checking Accounts require TAPCO membership. Must meet qualifying criteria to open checking account. Offers may change at any time. Fees could reduce earnings. See complete details on account disclosures.

**Must qualify for debit card and Courtesy Pay. ^Complete 15 or more in-person or online point-of-sale (POS) transactions or debit card purchases (excluding P2P services, including but not limited to CashApp and Zelle) that post and clear by close of business on the last day of month. If Monthly Rewards Checking requirements and qualification not met at month end, High Yield Checking will receive 0.00% APY and Cash Back Checking will receive no cash back for the month.

HIGH-YIELD CHECKING — For High-Yield Checking accounts you may qualify for a higher annual percentage rate if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) be enrolled in online banking and logged in within the last 45 days; 2) complete 15 or more debit card POS purchases, either in person or online, of $3.00 or more. Transactions must post and clear the account by the close of business on the last day of the month. P2P payment transactions, including but not limited to Cash App and Zelle, do not qualify; and 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the first day of the calendar month to last calendar day of the month at the close of business. The High-Yield Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply if your balance from $7,500.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is from $7,500.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range.

CASH BACK CHECKING — For Cash Back Checking accounts you may qualify for a monthly reward if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) be enrolled in online banking and logged in within the last 45 days; 2) complete 15 or more debit card POS purchases, either in person or online, of $3.00 or more. Transactions must post and clear the account by the close of business on the last day of the month. P2P payment transactions, including but not limited to Cash App and Zelle, do not qualify; and 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the first day of the calendar month to last calendar day of the month at the close of business. For Cash Back Checking accounts, you will receive 2.00% cash back on up to $500.00 in PIN based/signature-based debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle.  A maximum of $10.00 cash back may be earned per monthly qualification cycle.