a couple sits on their couch smiling because their Academy Bank IRA is helping them save for retirement

Checking Accounts With Interest

The higher the balance, the higher the rate.

true
Enter your zip code to view local account options.

Earn more interest with an Elite Investment Checking Account.

Elite Investment Checking is a tiered-earning account which means that the rate of return rises as your balance rises.

  • Earn increasing interest1 depending on your balance
  • No fees on money orders or cashier’s checks
  • $250 mortgage closing cost discount



What you get with an Elite Investment Checking Account:

mobile phone icon
Mobile Banking and check deposit2,3

calendar icon
Get paid one day early with Early Pay4

check icon
Complimentary standard checks

envelope icon
Free paper statements and eStatements

atm icon
Access to 38,000+ ATMs through MoneyPass5

bank card icon
VISA debit card usage alerts

piggybank icon
Eligible for Saving Cents - round up your debit card purchases automatically and put the change in your savings

gift icon
Refer Friends. Get Rewarded. $50 for you, $50 for them!2,7

























Interest Rates for Elite Investment Checking

If no rates are displaying, please enter your zip code in the input field at the top of the page to populate
Account Balance Annual Percentage Yield¹
$0.01 to $9,999.99
0.15
$10,000 - $24,999.99
0.20
$25,000 - $49,999.99
0.25
$50,000 - $99,999.99
0.30
$100,000 - $249,999.99
0.40
$250,000 and up
0.50


More to know about the Elite Investment Checking Account:


  • There is a $100 opening balance requirement on Elite Investment checking accounts.
  • No monthly service charge when you meet one of the following requirements each statement cycle:
    • Maintain a daily balance of $5,000 per monthly statement cycle
    • OR maintain an average balance of $10,000 per monthly statement cycle
  • Otherwise, a monthly service charge of $20 applies.
  • Closing new accounts within 90 days of opening will result in a $25 early closure fee.
  • Add cash to your account from thousands of retailers with Cash2DebitTM.6
If this doesn't sound like the perfect fit, check out our other checking options. Compare Checking Accounts




































FAQs about Checking Accounts


3

Apply in minutes. Go ahead, we’ll time you.

1 We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The Annual Percentage Yield (APY) shown is accurate as of . The interest rate may change after the account opening. Fees may be charged to the account, which could reduce earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid.
2 Message and data rates charged by your mobile phone carrier may apply.
3 Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply.
4 Direct deposit required. Maximum ACH credit is $15,000.
5 No fees for withdrawals, transfers, balance inquiries or denied ATM transactions at ATMs in the MoneyPass® Network if you have a MoneyPass® logo on the back of your card. MoneyPass® Network ATMs are within the U.S. only.
6 A $4.95 fee may apply. Deposit limits and restrictions apply. Not available in Vermont. Ask an Academy Bank associate for details. Not available at self-checkout.
7 Terms and Conditions apply