Great Rate Checking
Great Rate Checking

Great Rate Checking

You think of a checking account as a way to spend your money, but at Bank2, your Great Rate Checking earns you interest. Earn 1.51% APY* and ATM fee refunds nationwide**. All with no minimum balance or monthly service charges.

That's greater interest than CDs...from your checking account! You can make it even better by linking your Great Rate Checking to our Great Rate Savings account. Not only will you earn interest on both, automatic deposits build your savings for you!

This checking account is limited to 2 accounts per customer and/or household. Additionally, the account is limited to Oklahoma residents only. The account may be offered to Bank2 loan customers nationwide.

Other qualifications and limitations apply.

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  • Earn 1.51% APY* on balances up to $15,000
  • Earn 0.26% APY* on amount of balance over $15,000
  • Earn 0.10% APY* on entire balance if qualifications aren't met (base rate)
  • No monthly service charges—ever
  • No minimum balance requirement to earn rewards
  • Unlimited checking
  • Link to free Great Rate Savings for more high interest
  • Free online banking with bill pay
  • Free e-Statements
  • Direct deposit available
  • Free Visa® debit card
  • $100 deposit to open
  • FDIC insured


Your account is always free of a monthly service charge and always earns at least the base rate of interest. To qualify for the Great Rate and ATM fee refunds, simply do each of the following every monthly qualification cycle:

  • Log into Internet Banking
  • Be enrolled and receive e-Statements Notice
  • Have at least one monthly direct deposit post and settle the account
  • Have at least 12 point-of-sale debit card purchases post and settle the account

Chances are you're already doing these anyway! But if you don't meet the qualifications one cycle, don't worry. You can get back to earning the Great Rate rewards the very next cycle you qualify!


*Annual Percentage Yield (APY). APYs accurate as of 1/7/2016. Rates, rate tiers and qualifications may change after account is opened. Minimum to open account is $100.00. Fees may reduce earnings. Rate tiers are as follows: 1.51% APY applies to balances up to $15,000.00 and 0.26% APY applies to balances over $15,000.00 if all qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 0.26% APY to 1.51% APY as long as all qualifications are met. Qualifying transactions must post and settle the account during the monthly qualification cycle. Qualifying transactions may take one or more banking day to post and settle the account from the transaction date. ATM transactions do not count toward qualifying debit card transactions. Lost, damaged, expired or stolen debit cards do not alleviate the requirements for qualification for any qualification cycle.

**ATM fees will be refunded up to $50 on the last day of the cycle only when qualifications are met. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.

This account is limited to personal or sole-proprietorships: only two per customer and/or household. Additionally, the account is limited to Oklahoma residents. This account may be offered to Bank2 loan customers.

Qualification Cycle

**Qualification Cycle (QCycle) – Usually, each Great Rate account QCycle begins on the 6th day of the month (the "First day") and ends the 5th day of each month (the "Last day"); except in the event the First day or Last day or both fall(s) on a weekend or holiday(s), adjustment(s) will be made by moving such day "back" to the most immediate preceding business day such that neither day falls on a weekend or holiday and the Last day of the QCycle and First day of the next QCycle remain consecutive business days (e.g. Last day is the 5th and First day of the next is the 6th) of the same month. Any exceptions to this will be posted on the Bank's website or provided in customer e-statement(s) prior to being effective. Business days are defined as Monday through Friday, excluding weekends and holidays.

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