Reward Checking Reward Checking is a free checking account that pays interest! Plus, if you meet certain requirements each statement cycle you receive a Reward interest rate and your foreign ATM fees are refunded, up to $30 per month. The requirements are simple and are things you probably do already. To receive the Reward interest rate and ATM fee refunds we ask that you receive an electronic statement, complete 12 Check Card POS purchases and have at least one direct deposit or electronic draft each statement cycle. If you do not meet the requirements, you still receive the base rate on all balances and there is never a monthly service charge. You may visit our Rate Page to get our Current Rates.