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Take back your banking — free Cash checking pays you in ways that matter! Earn up to a high 1.25% APY* on your balance just for doing easy banking activities you probably do anyway, like receiving e-Statements. 

Even better? Get refunds on ATM fees, nationwide* — that’s right, nationwide. So you can make any ATM your own and never be left without cash in-hand.

  • Free checking that pays high interest
  • 1.25% APY* on balances up to $10,000 when qualifications are met
  • 0.25% APY* on the portion of the balance over $10,000 on balances over $10,000 when qualifications are met
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $20 per monthly qualification cycle)*
  • Link to high-interest Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • $100 minimum deposit to open

It’s Easy to Earn Your Rewards!

To earn your rewards, just do the following transactions and activities in your Cash Checking account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-Statement notice
  • Be enrolled in and log into online banking

That’s it! And don't worry if you don't meet the qualifications one month — your Cash Checking account is still free, you still earn a bit of interest, and you can go back to earning high interest and ATM fee refunds during the next monthly qualification cycle.

Compare accounts with our online brochure!

These convenient services are included with all of our consumer checking accounts!**

Get checking that works for you

*Overdraft/return item fees may apply.  Minimum to open is $100.00. To qualify for the Cash Checking rewards, you must perform the following during the Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Receive e-statements
  • Log into Online Banking
  • Have an ACH or direct deposit

Transactions may take one or more banking days from the date transaction was made to post to and settle account.  The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions.  Transactions bundled together by merchants and received by our bank as a single transaction count as a single transaction for the purpose of earning account rewards.

“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.

If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees of $4.99 or less that are incurred during the qualification cycle will be reimbursed up to a maximum of $20 and credited to the account on the last day of the monthly qualification cycle.  An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher.  (2) Balances up to $10,000 receive APY of 1.25%; and (3) Balances over $10,000 earn 0.25% APY on the portion of the balance over $10,000, resulting in 1.26% - 0.34% APY depending on the balance. Interest and ATM fee reimbursements will be credited to the account on the last day of the current statement cycle.  If the Cash Checking account is linked to a Saver account, the Cash Checking rewards (interest and ATM fee reimbursements) will be debited from the Cash Checking account and credited to the Saver on the first processing day of the following statement cycle.  If qualifications are not met, all balances earn 0.05% APY and ATM fees are not refunded. 

APY=Annual Percentage Yield. APYs accurate as of 3/06/2020. Rates may change after account is opened. Fees could reduce earnings on the account. Limit one account per social security number.

**Message and data rates may apply.

Middle Tennessees Community Bank