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REWARDChecking is more than a free checking account; it's high rates and awesome rewards. Do your banking with simple, time-saving tools and Mutual Bank will reward you with no minimum balance required. Qualify for our highest rates* and nationwide ATM fee refunds** each month when you do easy things like use your debit card for 10+ purchases, have one or more direct deposit or automatic payments or choose eStatements. There's never a penalty if you come up short and you'll still earn the base rate. Plus, get back to earning your full rewards the following month.

Open a REWARDChecking® account today and start earning cash rewards right away, along with these benefits and more:

  • No minimum balance
  • No monthly service charge
  • Earn cash rewards for each month you qualify*
  • Free ATMs nationwide plus refunds on other banks' ATM fees**
  • Free online & mobile banking and mobile deposit
  • Free paperless eStatement option
  • Bank where you matter – your local community

View Account Policies, Fees and Agreements

Start earning cash rewards today.

REWARDChecking® FAQs

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REWARDChecking® Benefits

REWARDChecking® FAQs

Minimum to open account is $10.00
*Tier 1 applies to balances of $.01 - $10,000 and Tier 2 applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. Base Rate applies to all balances if monthly qualifications are not met. All balances will earn Tier 1 and 2 rates if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.
**ATM Fee reimbursements up to $15 per month and $5 per item provided only if qualifications are met within the monthly qualification cycle.

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