Enjoy our highest checking annual percentage yield up to $20,000¹

Eligible to earn dividends with only 15 qualifying transactions per statement cycle

Multiple overdraft protection options

First 40 检查 FREE

No minimum balance requirements

Multiple overdraft protection options

First 40 检查 FREE

For students ages 15 to 24

No minimum balance requirements

No overdraft fees

Want the flexibility of a traditional checking account while you earn dividends

Maintain a high average daily balance

Use direct deposit, are 50 or older, or under age 25 — no monthly fee!

You don't want to have to maintain a minimum balance

Are a student that wants the flexibility of no minimum balance with the security of no overdraft fees

Want to teach your child how to manage their money

2.00%¹

$0 when enrolled in estatements!

Otherwise, $5 per month

$0 if you set up direct deposit, maintain a balance of $10,000 in your 元素 accounts, or are age 50 or older or under age 25

Otherwise, $5 per month

$0