Interest Rewards Checking

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Skip the monthly fees and minimum balance requirement!
But DON'T skip the interest!

Besides earning interest, here are some more benefits of the Interest Rewards Checking account: 

  • Free Online Banking - access on all your devices  
  • Free Mobile Banking - take a photo of your check for easy and quick deposit Click here for more information  
  • Free Online Bill Payment - pay your bills easily online
  • Free e-Statements - why wait for paper statements?
  • No monthly service charge when you select e-statements*  
  • Free 24/7 Touch Tone Banking, just call 302-658-6888 or toll free 800-440-0361. 
  • No minimum balance requirement 

How do I earn Interest Reward Rates? 

You earn Reward Rate of 2.50% APY** on balances up to and including $25,000 when all the reward requirements are met.  Here's How:  

    • Enroll in Online Banking and receive your statements online* (Easy!)
    • A direct deposit transaction must be posted, either an ACH debit or an ACH credit. (for example, a payroll deposit or a payment to any loan)
    • A minimum of 12 signature-based VISA Check Card transactions must be posted each statement cycle. 
      HOW? When you're ready to make a purchase, select "credit" as your payment option instead of a debit. With this option, you don't need to enter your secret PIN#.  This applies to all daily purchases such as gas stations, grocery stores, anywhere VISA is accepted.  

***You earn interest at the base rate when any of these requirements are not met during any statement cycle.   


Other account benefits:

  • Protect your account from overdrafts and NSF fees:
    Life happens and we know that you can't follow your account balance every day.  That's why we have options to help you avoid overdrawing your accounts.  Click here for more information
  • Sign up for Click-to-Pay with Visa
    After setting up an account with your debit card number, you can register it for instant access when you shop online.  Look for the logo on a website that supports Visa, and simply tap or click it in order to pay for your products instantly. 

Account Disclosures: 

For personal accounts only.  Minimum to open $50.00.  Monthly service charge $0.00.  Minimum to earn interest $0.01.  Balance requirement to avoid service charge - N/A. 

*If you do not receive e-Statements, a $2 monthly paper statement fee will apply.  Fees may reduce earnings.

**APY means Annual Percentage Yield. Interest is compounded daily, credited monthly. Offer of the Rewards Rate of 2.50% APY is effective February 12, 2024.  Each dollar over $25,000 earns 0.10% APY when the rewards requirements are met.  This is a variable rate account and reward rates are subject to change after opening without notice.

***Any statement cycle the reward requirements are not met, you earn the base rate of 0.10% APY for that statement cycle.  Our Rewards requirements must be met each statement cycle. REWARDS REQUIREMENTS PER STATEMENT CYCLE: 1) A direct deposit transaction or either an ACH Debit or Credit transaction must be posted within each statement cycle; 2) Must make a minimum of 12 signature based VISA® check card transactions each cycle; 3) Must be enrolled in Artisans’ Bank Online Banking and receive electronic statements.

For more information, contact us at
302-658-6881 or stop by any of our Branch Locations.
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