Reward Checking

Reward Checking

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Capitalize on interest rates.

Feel like you deserve a whole lot more from a personal checking account? How does .85% APY* interest on your balance sound? Sign up for Reward Checking and start earning interest right away. You can even earn service fee refunds on any ATM you use nationwide.

Reward Checking is perfect for those who demand more from their personal checking.

There are no balance requirements, no maintenance fees, and no penalties if you don't meet the requirements. Even if you don't qualify for any given month, you'll still earn our base interest rate of 0.05% APY*, and can qualify for the reward interest rate again the next month. Plus you can always enjoy the revolutionary FREE services that City Bank offers like online bill pay, mobile banking, and many others.


Now is the time to sign up for Reward Checking from City Bank.

It's easy! Sign up today!

  • No minimum balance required
  • Earn ATM Fee Refunds
  • Free Online Banking
  • Free Online Bill Pay
  • Free E-Statements
  • Free City Bank MasterMoney™ Debit Card
  • Free Checks - three styles available
  • Free Mobile Banking (BNKNGO*)
Rewards Card

It's easy to earn big-time rewards.

You earn a great interest rate and ATM fee refunds just by doing simple things you're probably already doing. To make it even easier, we provide three reward levels, instead of an all or nothing approach. So start earning your rewards today!

Earn the highest interest rate and ATM fee refunds


Earn a higher interest rate and ATM fee refunds


Checking that earns interest on the entire balance.

BalanceAPY*Interest RateAPY*Interest RateAPY*Interest Rate
$0 to $149,999.990.85%0.85%0.40%0.40%0.05%0.05%
$150,000 and over0.50%0.50%0.30%0.30%0.05%0.05%


The following must post and clear to your account each monthly statement cycle to earn the higher interest rates and ATM fee refunds.
If you don’t qualify for Level 2 or Level 3 rewards in a particular month...don’t worry! There’s no penalty, no monthly service charge, and you still earn our base interest rate.

Plus, you can get right back to earning the higher interest rates and ATM fee refunds the very next month.
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*APY = Annual Percentage Yield (APY). Reward Checking base rate is .05% APY. Minimum account opening deposit of $50.00 required. Rate effective as of 4/1/2014. All rates are variable and may change after account opening. Fees may reduce earnings on this account. Some restrictions do apply. MasterCard® and MasterMoney® are registered trademarks of MasterCard International Incorporated. Standard text messaging rates do apply.

†To make an electronic payment, use your City Bank account number and routing number to make and/or receive payments.

Q: Will I be able to use my existing debit card from City Bank with my Reward Checking account?

A: Yes. You will be able to use your existing debit card with your Reward Checking account.

Q: How may I convert my checking account with City Bank to a Reward Checking Account?

A: You will need to complete and sign a Reward Checking Account Maintenance Form and return the form to a new account representative. They will transfer the account to a Reward Checking Account.

Q: Will the transactions from this statement period on my old account be allowed as required transactions for my Reward Checking Account for this statement period?

A: No. You will not be allowed to carry over transactions as required transactions for this account.

Q: Will my statement period change?

A: Yes. Reward Checking has a predetermined statement period that may not be changed.

Q: Will the ACH transactions that were attached to my old account transfer over automatically to my Reward Checking account?

A: Yes, you will not have to re-initiate these transactions.

Q: Will the prior history from my transferred account be viewable on online banking?

A: Yes, this information will transfer over to your Reward Checking account.