Checking Accounts
Checking with Interest
At BankDirect, simplicity is key. Our products are straightforward, and requirements are minimal, so banking with us is easy and as convenient as possible — and you can choose whichever product is right for you.
Competitive
interest rates
Four ATM withdrawals
reimbursed per cycle
Free
Bill Pay service and Visa® CheckCard available upon request
BankDirect’s Checking with Interest account is a full-service checking account with competitive interest rates. BankDirect will provide you with a Visa® CheckCard upon request so you can withdraw cash at any ATM or make purchases easily, no matter your location. You can pay your bills from your Checking with Interest account with our free Bill Pay service, and we will reimburse you the fees for four (4) ATM withdrawals per statement cycle, up to $2.50 per transaction.
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Competitive interest rates
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Zero dollars to open
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Interest compounded daily
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Interest paid on collected balances
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Checks upon request; first order of 40 personalized checks free
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Free Bill Pay service
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Free Visa® CheckCard upon request
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Four (4) reimbursed ATM withdrawals per statement cycle (up to $2.50 per transaction)
Rates
| account level | annual % yield | monthly fee |
|---|---|---|
Checking $0 to $2,499.99 |
0.00% |
$15.00 |
Checking $2,500 to $9,999.99 |
0.05% |
None |
Checking $10,000 and above |
0.10% |
None |
Fees
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Zero dollars to open
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Interest compounded daily
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Interest paid on collected balances
To view the BankDirect fee schedule, click here.
Concerning Grandfathered Accounts — From time to time, we may elect to discontinue offering a product or service to new customers. Under such circumstances, you acknowledge and agree that we may continue to offer such product or service to our current customer base, at our discretion. Furthermore, such customer acknowledges and agrees that we reserve the right to modify the features of such grandfathered product or service, including, but not limited to, applicable service charges and fees.
*An Annual Percentage Yield is calculated based on a one-year time frame. If you allow your interest to add back to the principal over a one-year time period, the Annual Percentage Yield is what you will receive. Fees may reduce earnings on accounts.
Note: Rates for variable rate accounts (Checking, Savings, MMA) are subject to change once account is opened. Fees are based on average ledger balance for the statement cycle.
For a complete list of our banking disclosures, please click here.
Smart Checking
At BankDirect, simplicity is key. Our products are straightforward, and requirements are minimal, so banking with us is easy and as convenient as possible — and you can choose whichever product is right for you.
Free
Bill Pay
$0
monthly maintenance fee
Free
Visa® CheckCard upon request
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No monthly maintenance fee
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Zero dollars to open
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Checks upon request; first order of 40 personalized checks free
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Free Bill Pay service
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Free Visa® CheckCard upon request
Rates
| account level | annual % yield | Monthly fee |
Checking $0.00 and above |
0.00% |
None |
From time to time, we may elect to discontinue offering a product or service to new customers. Under such circumstances, you acknowledge and agree that we may continue to offer such product or service to our current customer base, at our discretion. Furthermore, such customer acknowledges and agrees that we reserve the right to modify the features of any product or service, including, but not limited to, applicable service charges and fees.
For a complete list of our banking disclosures, please click here.
BankDirect is no longer offering the Mileage Checking with Interest product. If you are interested in a mileage-based savings account, please visit Bask Bank.