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Ultimate Rewards Checking

2.25% Annual Percentage Yield

Our Ultimate Rewards personal checking account offers a high interest rate — 2.25% APY* — to reward you for helping us run our bank efficiently. There’s no minimum balance required and we include an All America Bank VISA debit card for secure purchases and access to 1,000s of ATMs worldwide.

  • Free online banking
  • Free VISA debit card
  • Free customer service
  • Free ATM transactions worldwide*

  • Free daily email notification if overdrawn
  • Free bank-to-bank transfers
  • Free Online Bill Pay**

  • No minimum balance
Free online banking Free VISA debit card
Free customer service

Free ATM transactions worldwide*

Free daily email notification if overdrawn Free bank-to-bank transfers

Free Online Bill Pay**

No minimum balance
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This account includes:

  • Bank-to-bank transfers
  • Person-to-person transfers
  • Overdraft privilege
  • Visa debit card
  • Direct deposit
  • Mobile deposit
  1. *APY is Annual Percentage Yield

  2. **We will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.

  3. Open this account with a minimum deposit of $50 in person.  Open this account with a minimum deposit of $500 online.

  4. There is no minimum balance required to maintain this account.

  5. There is no monthly service charge.

  6. To receive rewards from Ultimate Rewards personal checking account, participants must:

    1. Make 10 All America Bank VISA® debit card transactions per monthly statement cycle. Please refer to #9 below.

    2. Receive your statements electronically.

  7. Earn 2.25% APY when you have up to $10,000 in your account. Any amount over $10,000 will earn 0.50% APY. If you don’t meet the requirements outlined above, you’ll earn 0.25% APY. We will pay interest earned by your account at the end of each monthly billing cycle.

  8. Fees could affect the earnings on this account. Learn more about this account.

  9. Our monthly statement cycle ends on the 20th of each month. If the 20th falls on a Saturday, the cycle will end on Friday the 19th. If the 20th falls on a Sunday, the cycle will end on Monday the 21st. There are no rollover transactions.

  10. Qualifying VISA debit card sales transactions include each time you use your VISA debit card to make a purchase from a vendor or merchant. These transactions must post and clear your account during the payment cycle. ATM and ACH transactions do not qualify.

  11. Annual Percentage Yield (APY) is accurate as of 5/15/18.

  12. There is a limit of two Ultimate Rewards Checking Accounts allowed per individual.

  13. This is a tiered account. 

  14. Wallet style checks are available.

  15. ***Ten free Online Bill Pay transactions per month; $0.50 charge for each transaction over the 10 free transactions.

  16. Free eStatements with transaction images are available for viewing online.

  17. There will be a $3 per month charge for paper statements starting November 1, 2017.

  18. Please view our Fee Change Notice page for details of other fee changes starting November 1, 2017.

  19. Learn more about our banking.