Your Choice Free Checking w/ Rewards

FREE1 Cash Back Rewards Checking*:

If debit card purchases and surcharge rebates are important to you — then Cash Back Rewards is the right account for you! 

1.00% APY CASH BACK rebates on debit card purchases up to $800.00. Customer may earn up to a maximum of $8.00 per qualification cycle. If you don't meet the 3 Easy Steps for one statement cycle, you can qualify again during the next cycle. 

FREE1 Interest Rewards Checking**:

If you typically keep extra cash on hand for that rainy day — then this is your chance to earn a higher interest rate on your balance.

Earn Reward Rate 1.00% APY** on your balance up to $10,000 when you follow the 3 Easy Steps.
Earn Reward Rate 0.10% APY** on your balance over $10,000 when you follow the 3 Easy Steps.
Even if you don't meet the 3 Easy Steps for one statement cycle, you still earn the Reward Rate of 0.05% APY**. Additionally, you can qualify again during the next cycle.

With Your Choice FREE Checking w/ Rewards, You Get:

  • FREE Mobile Banking & Mobile Deposits
    • Use our mobile banking app to check your balances, make transfers, pay bills and deposit checks using Dedhamobile Deposits. We also offer Mobile Web and Text Banking.
  • FREE MasterCard® Debit Card
    • Use it to make purchases anywhere MasterCard® is accepted. Doubles as an ATM card.
  • FREE Online Banking / Bill Pay
    • You have 24-hour access to your account information. Use Bill Pay to pay anyone, anytime.
  • FREE ATM Use Worldwide
    • All SUM Network ATMs are surcharge-free. Use Worldwide ATMs and we’ll rebate any other banks’ surcharges up to $25 per statement cycle if qualifications are met.
  • NO Monthly Fees & NO Minimum Balance

How Do You Earn Your Rewards?

To earn Cash Back Rewards or Interest Rewards on your checking account, perform the following during each qualification cycle:

3 Easy Steps.

  • Perform 12 or more posted and cleared Debit Card purchases
  • Receive 1 posted and cleared direct deposit or ACH auto debit
  • Receive online statements

Important Information

Cash Back or Interest Rewards: A minimum deposit of $50.00 is required to open an account. Personal accounts only. One Rewards Checking account per customer, Interest Rewards or Cash Back Rewards. 1Free of monthly service and maintenance charges. If another bank assesses surcharges to use its ATM machine within the U.S., we will refund those surcharges with a maximum of $25.00 per qualification cycle when all requirements are met. If qualifications are not met, your account will not receive ATM surcharge refunds for that time period. Other bank fees and overdraft fees per item may apply. Transactions made at an ATM do not qualify toward the 12 debit card transactions. Ask us for more information.

*Cash Back Rewards: Paid on qualified accounts up to a maximum of $8.00 per month. "Qualification cycle" means a period beginning the day following the last statement end date through the third Friday of that month. Eligibility requirements must be completed (posted and cleared) during each Qualification cycle.

**Interest Rewards: Annual Percentage Yield (APY) is effective as of . 1.00% APY Reward Interest Rate paid on balances up to $10,000. Interest rate for balances over $10,000 is 0.05% with an APY ranging from 0.37% to 1.00% (this range assumes a balance of $30,000 and is paid when requirements are met). If you do not meet the requirements per qualification cycle, your account will earn 0.05% APY. Fees may reduce earnings. Interest rates as of . Interest rates and APY subject to change at any time after the account is opened. A minimum daily balance of $10.00 must be maintained on all interest bearing accounts in order to obtain the disclosed Annual Percentage Yield. "Qualification cycle" means a period beginning two days prior to the last statement cycle through three days prior to the current statement cycle. Eligibility requirements must be completed (posted and cleared) during each Qualification cycle.


Current Reward Checking Rates

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