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Routing Number: 302386765

Checking Accounts

4.00% APY* on balances up to $25,000 - Better Than Ever

Effective February 2, 2024

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This High Yield Checking account gives you world-class returns on your money without costing you a thing. Earn up to 4.00% APY* on your balance each Monthly Qualification Cycle, and get ATM fee refunds*; not just at one of our branches, but nationwide. With High Yield Checking, every ATM is your ATM! Plus, there is no minimum balance required to earn your rewards. Just a great checking account with rewards you deserve!

Features & Benefits

  • 4.00% APY* on balances up to $25,000
  • 0.05% APY* on balances over $25,000
  • 4.00 to 0.05% APY* depending on balance in account*
  • 0.05% APY* if qualifications are not met
  • ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing and debit card use
  • Free Visa® debit card
  • Free online banking and free bill pay
  • Free eStatements required to receive earnings
  • Nationwide access to over 5,600 branches through Shared Branching
  • Overdraft Privilege available
  • No minimum to open
  • Opened upon approved credit

Plus, you can get free automatic transfers and earn a second great interest rate by pairing this account with a free High Yield Savings account*.

Qualifications

Earning your rewards is so easy, you're probably already doing it! Just complete the following transactions and activities in High Yield Checking each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in free paperless eStatements each month
  • Have at least one monthly direct deposit, ACH automatic debit, or bill payment post and settle

If you don't qualify one cycle, don't worry! You'll still earn our base dividend rate, and you have the opportunity to get the higher rate and ATM fee refunds back the very next month.

Click for a brochure. English Spanish

*Annual Percentage Yield (APY) accurate as of 2/2/2024. 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 up to $20 ($9.99 per single transaction) and credited to the account on the last day of the monthly statement cycle; (2) balances up to $25,000 receive APY of 4.00%; and (3) balances over $25,000 earn 0.05% APY on portion of balance over $25,000, resulting in 4.00% - 0.05% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle to the 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. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the last day of the current statement cycle. The advertised High Yield Checking APY is based on compounding dividends. If High Yield Checking is paired with High Yield Savings, dividends earned in High Yield Checking are automatically transferred to High Yield Savings each statement cycle and do not compound. Actual dividend amount paid may be less than advertised High Yield Checking APY. If qualifications are not met on High Yield Checking, all balances in High Yield Savings earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $9.99 or higher.

 

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Most banks want money just to let you have a checking account. Instead, Trona Valley brings you Cash Back Checking; a checking account that does just what it says it does. It gives you cash back, with no points to accumulate and no category restrictions.

By making everyday purchases with your debit card, you'll get 2% cash right back in your wallet, where it belongs*. Plus, you also get nationwide ATM fee refunds*, so every ATM is your ATM!

Features & Benefits

  • 2% cash back on debit card purchases that post and settle*
  • Up to $4 in cash back per monthly cycle*
  • No points to accumulate or category restrictions
  • ATM fee refunds nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Unlimited check writing and debit card use
  • Free Visa® debit card
  • Free online banking and bill pay
  • Free eStatements required to receive earnings
  • Nationwide access to over 5,600 branches through Shared Branching
  • Overdraft Privilege available
  • No minimum to open
  • Opened upon approved credit

Plus, you can get great savings interest rate by pairing this account with a free High Yield Savings account*.

Qualifications

Qualifying is easy. Just complete the following transactions and activities in Cash Back Checking each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in free paperless eStatements each month
  • Have at least one monthly direct deposit, ACH automatic debit, or bill payment post and settle

That's it! And don't worry if you miss a qualification cycle. The account is still free and there's no penalty. You can get right back to earning cash back and ATM refunds the next cycle that you qualify.

Cash Back Checking Brochure

*Rates may change after account is opened. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $4 per monthly qualification cycle. 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 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. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($9.99 per single transaction) if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $9.99 or higher.

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This unique account puts the power in your hands. You select to reduce or completely eliminate the monthly service fee. To reduce or eliminate your monthly service fee, just use your debit card and receive eStatements. These are simple things you probably already do!

  • The power is in your hands
  • No minimum balance to open
  • $8 monthly service fee, can be reduced or eliminated*

*No minimum to open account or earn monthly fee reduction. The monthly service fee for this account is $8. This fee may be reduced or eliminated by doing the following during the Monthly Qualification Cycle: $2 reduction in fee for enrolling in electronic statements and $0.20 reduction in fee for each posted and settled debit card purchase of $5 or more during the Monthly Qualification Cycle. Qualifying transactions must post and settle the account during the Monthly Qualification Cycle. Transactions may take one or more business days from the transaction date to post and settle an account. "Monthly Qualification Cycle" means a period beginning on the first day of the current statement cycle through the last day of the current statement cycle.

 

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This free account can make managing your money easier.

Members who are 55 and better can take advantage of this free account that's loaded with benefits.  It's just the perfect account, for any senior who is looking for a free checking account with many great services.

Features & Benefits

​Click for a brochure. Senior Checking