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Personal Account

Vision Rewards Checking

Vision Rewards Checking

Let your checking account work for you — not the other way around. Not only is Vision Rewards Checking free, it also makes you money. Take advantage of really high interest on every dollar.

At the same time, Vision Rewards Checking helps you keep your money. There's no monthly service fee or minimum balance requirements. Plus, you never have to worry about throwing your money away on withdrawals — enjoy ATM fee refunds not just in the North Dallas area, but nationwide*!


Summary
  • 2.00% APY* on balances up to $25,000
  • 0.25% to 2.00% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Unlimited ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited transactions
  • Free online banking & bill pay
  • Free mobile banking
  • Free eStatements
  • Free debit card**
  • $25 minimum deposit to open

Qualifications

Qualifying for rewards is easy. To earn these rewards, simply do the following during the monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear account
  • Have at least 1 automatic payment (ACH) or direct deposit post and clear account (direct deposit and/or electronic payment must process as ACH)
  • Be enrolled and review eStatement notice

That's it. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning major interest and nationwide ATM fee refunds the very next month.

More Information

Accounts are for personal use only. One account per owner, maximum two per household. Debit card purchase is a PIN based transaction or a signature-based transaction that is performed at any location other than an ATM. Fees may reduce earnings. Rewards Checking™ is a trademark of BancVue, Ltd.

Qualification Cycle Dates

2013-2014 Monthly Qualification Cycle Date

  • December: November 15 - December 12
  • January: December 13 - January 14
  • February: January 15 - February 13
  • March: February 14 - March 13
  • April: March 14 - April 14
  • May: April 15 - May 14
  • June: May 15 - June 12
  • July: June 13 - July 14
  • August: July 15 - August 14
  • September: August 15 - September 14
  • October: September 15 - October 14
  • November: October 15 - November 13
  • December: November 14 - December 14

*APY=Annual Percentage Yield. APYs accurate as of 02/03/2014. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.00%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 0.25% to 2.00% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. 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. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit two accounts per household. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

**Subject to credit approval.