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ONLINE BANKING

ROUTING # 281076730

Reward Checking

Our Accounts Come Fully Loaded!

Treat yourself to a checking account that packs on the rewards.

Make the everyday more rewarding with an account that does more with your money!

Pick out the rewards you want!

High Interest Reward Checking

  • 5.00% APY* on balances up to $10,000
  • 0.25% APY* on balances over $10,000
  • Earn high dividends every month!
  • 0.01% APY* even if you don't qualify

Cash Back Reward Checking

  • 3.00% Cash Back
  • Get rewarded just for making purchases!
  • Up to $7.50 cash back each month**

Both Reward Checking accounts come with:

  • ATM fee refunds
  • No minimum balance fees
  • No monthly maintenance fees
  • Free debit card

Start earning your rewards!

Just do the following activities with your Reward Checking account each month:

Didn't meet the qualifications this month?

No problem! There's no penalty fee. Plus, you can still earn rewards next month.

* APY=Annual Percentage Yield.

** If the account qualifications are met for a Monthly Qualification Cycle for the Cash Back Reward Checking account, you will receive a cash rebate of 3.00% of the amount of debit card purchases posted to your account during that cycle, up to a maximum rebate of $7.50 per cycle. 

There is a limit of one Reward Checking account per member. No commercial accounts may participate in this program. The following features are unique to Rewards accounts: In order to earn the Qualifying Rate for the dividend period specified in the schedule above and to qualify for additional benefits as described herein for a particular monthly qualification cycle, High Interest Reward Checking and Cash Back Reward Checking accounts must satisfy the following requirements: 1) a minimum of 12 debit card purchases post to your High Interest Reward Checking or Cash Back Reward Checking account; 2) you receive monthly e-Statements for the account; and 3) you log into online banking at least once during the cycle. Please note that the transactions MUST actually post to your account during the monthly qualification cycle.*If the High Interest Reward Checking Account satisfies the qualification requirements for a monthly qualification cycle, the Account will earn the qualifying rate for that cycle up to $10,000. Otherwise, the High Interest Reward Checking Account  will earn the nonqualifying rate for that cycle. A qualification cycle begins on the first day of a calendar month and ends on the last day of the calendar month.  

If you have met your qualifications during the Monthly Qualification Cycle, we will reimburse you for ATM fees, up to $25, imposed during the Monthly Qualification Cycle by our institution and other U.S. financial institutions. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. ATM fee rebates will be transferred to your Reward Savings account if you have one.

About 1st MidAmerica

As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances.

Read more about us