TMB Spirit Checking
Earn a higher interest rate on your checking account balance
What could be better than a checking account that pays you to bank? How about a checking account that rewards you by keeping your hard-earned money at home and in your community? Truth is, there’s not much better than that, right?
But there’s more. In addition to all those rewards, this full-feature account has everything you want and allows you to manage your money with ease:
- Earn 1.50% APY* on collected balances up to $15,000.
- Earn .10% APY* on collected balances over $15,000.
- Free Online Banking and Bill Pay
- Free Mobile Banking and Remote Deposit
- Free E-Statements
- Free Visa Debit Card
- Unlimited Check Writing
- Reimbursement on Other Banks’ ATM Fees**
The minimum opening deposit is $50, and there’s no minimum balance requirement to earn rewards***. And, if you meet the following criteria, there’s no monthly fee****:
- 15 Debit Card Purchases Posted to Account
- 1 Direct Deposit or 2 ACH Debits
- 1 Online Banking or Mobile Inquiry
Contact our Customer Service Team to get your account started today!
*APY=Annual Percentage Yield. APYs accurate as of . Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1)balances up to $15,000 earn APY of 1.50%, and (2)balances over $15,000 earn APY of 0.10%. If qualifications are not met, all balances earn 0.00% APY. There will be a $6 monthly fee when criteria are not met. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings . Limit one account per customer.
**TMB will not charge for using other banks’ ATMs and will refund up to $6 in other banks’ ATM fees.
***Criteria must be met each statement cycle to receive rewards. One account per customer.
****There will be $6 monthly fee when criteria are not met.