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Clean, crisp, fresh — we’re not just talking about the smell of Alaskan mountain air! That also describes the scent of free money growing in your checking account. Free Peak Rewards Checking pays you high dividends just for doing banking basics, like receiving eStatements. 

You’ll also enjoy ATM fee refunds, nationwide*, so you can pack up that RV and head out on the road with the freedom of knowing that any ATM can be your ATM.

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  • Free checking that pays you really high dividends
  • 5.00% APY* on balances up to $15,000
  • 0.15% APY on balances over $15,000 depending on balance in account*
  • 0.01% APY* if qualifications aren't met
  • Refunds on ATM fees, nationwide (up to $10 monthly)*
  • Unlimited check writing
  • Free online banking
    • Includes eStatements
  • Free online bill pay
  • Free mobile banking with mobile deposit
  • Free Visa® debit card***
  • Access to surcharge-free ATMs
  • Overdraft protection available
  • NCUA insured up to $250,000
  • Must be 16 years of age or older
  • No minimum deposit to open
    • Must open Member Savings account with a $5 minimum deposit in order to open checking account


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

  • Have at least 1 direct deposit transaction post and settle+
  • Have at least twelve (12) non-pin (signature based) debit card transactions of at least $5 post and settle to the account+
  • Be enrolled to receive eStatements and activate the email address for the account+
  • Be enrolled in and log into online banking+

So easy! Even if you don’t meet qualifications during a monthly cycle, your Peak Rewards Checking account is still free. And you’ll still earn our base interest rate — then you can get right back to earning your full rewards the very next month!

*Earn 5.00% APY (Annual Percentage Yield) on balances up to $15,000 if monthly qualifications are met. Qualified+balances greater than $15,000 will be paid 0.15% APY, and balances that do not meet the monthly qualifications will earn 0.01% APY. Rates are accurate as of 12-01-17 and may change after the account is opened. ATM surcharges of up to $10 per month will be reimbursed if monthly qualifications+ are met and no surcharges will be refunded for non-qualifying+ accounts.

+To meet monthly qualifications, members must be an active eNavigator Online Banking user and must log in at least one time per month, receive a direct deposit/ACH credit of at least $100 per month, enroll to receive eStatements and activate an email address for the account, and have at least twelve (12) non-pin (signature based) debit card transactions of at least $5 post and settle to the account during the month. See our current Truth in Savings disclosure for full details. Peak Rewards Checking accounts are limited to one account per member.

***Must be 13 years or older (with a consenting adult joint signer on the account) to have a VISA Check Card associated with an account.

Better checking is on the horizon