Qualifying for your rewards in either a High Interest or Cash Rewards checking account automatically qualifies you for the highest Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your High Interest or Cash Rewards account during each Monthly Qualification Cycle

Even if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify. Base rates are as follows

*Additional Terms

When High Interest or Cash Rewards checking qualifications are met during a Monthly Qualification Cycle an interest rate of 0.747% will be paid on the portion of your daily balance that is less than or equal to $50,000 and the APY for this tier is 0.75%. An interest rate of 0.250% will be paid on the portion of your daily balance that is greater than $50,000. This will result in an APY for this tier ranging from 0.75% to 0.25%, depending on the account’s entire balance. When High Interest or Cash Rewards checking qualifications are not met, the interest rate paid on the High Interest checking and Saver savings will reflect 0.0499% on the entire balance, with an APY of 0.05% and ATM fees are not refunded. APY= Annual Percentage Yield. APYs accurate as of 1/11/2022. Rates and rewards are variable and may change at any time after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking and electronic statements) is required for High Interest checking, Cash Rewards checking and Saver savings accounts. Limit one (1) account per social security number. A High Interest or Cash Rewards checking account is required to have a Saver savings account. A linked Saver savings account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of Woodlands Bank’s Customer Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions.