Ultimate Rewards Checking
Our Ultimate Rewards personal checking account offers a high yield — up to 5.15% APY* on balances up to $15,000 — to reward you for helping us run our bank efficiently. There’s no minimum balance required and we include an All America Bank Mastercard® debit card for secure purchases and access to 1,000s of ATMs worldwide. *APY is Annual Percentage Yield
Free Online Banking
Free Mastercard® Debit Card
Free Apple Pay, Samsung Pay and Google Pay
Free ATM Transactions Worldwide**
Free Daily Email Notification if Overdrawn
Free Bank-to-Bank Transfers
Online Bill Pay***
No Minimum Balance
Free Online Banking |
Free Mastercard® Debit Card |
Free Apple Pay, Samsung Pay and Google Pay |
Free ATM Transactions Worldwide** |
Free Daily Email Notification if Overdrawn |
Free Bank-to-Bank Transfers |
Online Bill Pay*** |
No Minimum Balance |
This account includes:
Extraordinary Mastercard® benefits include:
- Person-to-Person Transfers
- Overdraft Privilege****
- Direct Deposit
- Mobile Deposit
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Earn 5.15% APY when you have up to $15,000 in your account. Amounts over $15,000 will earn 0.50% APY. The APY for this tier will range from 5.15% to 0.50%. If you don’t meet the transaction requirements outlined below, you’ll earn 0.25% APY*. We will pay interest earned by your account at the end of each monthly billing cycle. APY is Annual Percentage Yield.
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**We will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
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Open this account with a minimum deposit of $50 in person. Open this account with a minimum deposit of $500 online.
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There is no minimum balance required to maintain this account.
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There is no monthly service charge.
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Transaction Requirements: To receive rewards from Ultimate Rewards personal checking account, participants must:
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Make 10 All America Bank Mastercard® debit card transactions per monthly statement cycle. Please refer to #9 below.
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Receive your statements electronically.
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Fees could affect the earnings on this account. Learn more about this account.
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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.
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Qualifying Mastercard debit card sales transactions include each time you use your Mastercard® 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.
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Annual Percentage Yield (APY) is accurate as of 3/21/2024. Rate may change.
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***Ten free Online Bill Pay transactions per month; $0.50 charge for each transaction over the 10 free transactions.
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There is a limit of two Ultimate Rewards Checking Accounts allowed per individual.
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This is a tiered account.
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****Overdraft privilege is available to customers who qualify.
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Free eStatements with transaction images are available for viewing online.
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A $3 per month charge will be applied for paper statements.
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Wallet style checks are available.