Interest Rewards Checking

Skip the monthly fees!

Skip the 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 Mobile Banking 
  • Free Online Bill Payment - pay your bills easily online Click here for more information

  • Free e-Statements - why wait for paper statements? 

  • Free 24/7 Touch Tone Banking, just call 302-658-6888 or toll free 800-440-0361 

  • No monthly service charge when you select e-statements* 

  • No minimum balance requirement 

How do I earn Interest Reward Rates? 

You earn Reward Rate of 0.10% 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.   


Here are some other benefits with your account:

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 Visa Checkout

After setting up an account with your debit card number, you can register it for instant access with VISA Checkout.  When you're on a website that supports VISA Checkout, simply tap or click the VISA Checkout logo to instantly pay for your purchases.  It's easier than typing your card number on the keyboard each time you shop online. 

How to open an account: 

We know that opening an account  is a personal decision and we are here to serve you and answer any questions you may have.  When you are ready, please stop by one of our 12 statewide branch offices. 

Please bring the following items:

  • Your government-issued ID (such as a driver's license, passport, or military ID)
  • Your Social Security number
  • Documentation with your physical and mailing addresses if different than your government-issued ID
  • An initial deposit - minimum deposit amount required
  • To help open your account quickly, you can complete this form, print and bring with you.  

For more information, contact us at 302-658-6850 during business hours or stop by any branch office.  

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 0.10% APY and 0.03% APY is effective May 13, 2021.  Each dollar over $25,000 earns 0.03% 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 0.03% 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.