Saving should be simple, so we put it on autopilot. Earn interest — and your INVESTRUST® checking rewards — each month automatically.
KEY FEATURES
No Monthly Maintenance Fee
No Minimum Balance Requirements
- Details
Free account that builds your savings effortlessly
Links to free INVESTRUST Cash® or INVESTRUST Cash Back® checking to auto-transfer rewards
1.00% APY+ on balances up to $50,000
1.00% to 1.34% APY on balances over $50,000 depending on balance in account+
0.05% APY+ if qualifications are not met in INVESTRUST Cash or INVESTRUST Cash Back
No monthly maintenance fee
No minimum balance to earn rewards
Free digital banking services, including:
Free online banking
Free mobile banking
Free eStatements
$50 minimum deposit to open
- Earning Your Rewards is So Easy — You're Probably Already Doing It!
There are no extra qualifications to get the INVESTRUST Saver reward rate. Qualifying for the INVESTRUST Cash or INVESTRUST Cash Back rewards automatically qualify you for the highest INVESTRUST Saver rate, too. To earn your rewards, simply complete the following transactions and activities in your INVESTRUST checking account each monthly qualification cycle:
At least 12 debit card purchases
Be enrolled in and agree to receive eStatements
Be enrolled in and log into online banking
If you do not meet the qualifications, don't worry! There is no penalty, and both accounts are still free and earn our base rate of interest. Plus, you can get back to earning the full rewards the very next month.
*APY=Annual Percentage Yield. APYs accurate as of 2/22/2023. Rates may change after an account is opened. For INVESTRUST Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during the qualification cycle will be reimbursed and credited to the account on the last day of the monthly statement cycle; (2) balances up to $15,000 receive APY of 6.00%; and (3) balances over $15,000 earn 0.75% interest rate on the portion of the balance over $15,000, resulting in a range of 6.00% to 1.43% APY depending on the balance. If qualifications are not met on INVESTRUST Cash all balances earn 0.05% APY. Qualifying transactions must be posted to and settled in an INVESTRUST Cash account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to the account. ATM-processed transactions do not count toward 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. Domestic ATM fees incurred during the qualification cycle will be reimbursed if qualifications are met within a monthly qualification cycle. The advertised INVESTRUST Cash APY is based on compounding interest. Interest earned in INVESTRUST Cash is automatically transferred to INVESTRUST Saver each statement cycle and does not compound. The actual interest amount paid may be less than advertised INVESTRUST Cash APY. The INVESTRUST Saver APYs may be less than INVESTRUST Cash APYs. Limit one account per SSN.
