Earn 4% APY* with an InRoads Smart Start Savings account.
Cash Rewards Checking Account
It's time for an account that rewards you.
High-Yield Dividends in a Convenient Checking Account -
That's a Win-Win
Put Your Balance To Work for You
Earn up to 4.00% APY.*
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No monthly fees.
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Direct deposit up to 2 days early.**
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Team Up for Schools compatible.
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Customizable debit card.
Access Your Cash When and Where You Need It
Get surcharge-free ATM access at more than 30,000 CO-OP Network ATMs nationwide.
Lots of Dividends Without a Lot of Effort
Sure, you already have a checking account. That's great. But with InRoads Cash Rewards Checking, it could be a whole lot better.
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- Grow your balance at a healthy rate, generating dividends while still getting the convenient access you need.
- Manage your account and monitor your growth through Digital Banking, too. You'll love what you see.
Qualifying to Earn Rewards is Easy
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- Simply complete a minimum of 12 Visa® debit card purchases per cycle.
- Be enrolled and login to Digital Banking at least once per cycle.
- Register for and receive e-Statements.
- Have a valid email address on file with us.
- Have at least 1 direct deposit or ACH (Automated Clearing House) debit per cycle.
Current Rates
Effective Date: December 1, 2025
| Balance | APY* if qualifications are met | APY* if qualifications are not met |
|---|---|---|
Cash Rewards Checking | 4.00% | 0.01% |
Cash Rewards Checking | 3.50-0.25% | 0.01% |
Related Resources
Make Your Checking Account Do a Lot More for You
Watch Your Savings Soar
Earn up to 2.50% APY† and access funds anytime you want.
Disclaimers
*Annual Percentage Yield (APY) accurate as of 12/1/25 . Rate tiers are as follows: 4.00% APY applies to balances of $.01-$15,000 and 3.50-0.25% APY applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.
**Early availability of direct deposits is not guaranteed and depends on transmission of deposit information by originator. Thus, availability may vary from deposit to deposit.
†Annual Percentage Yield (APY) accurate as of 6/5/2025. Minimum balance to obtain the stated APY is $500,001. Rates may change after the account is opened. Minimum to open account is $5000.