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Rewards Checking

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Preferred Checking
Preferred Plus Checking
Account Description Offers the choice to earn cash back rewards Offers the choice to earn cash back rewards while earning interest
Monthly Service Charge $8.00 service fee every statement cycle, if the account minimum balance falls below $1,500 any day during the statement cycle $15.00 service fee every statement cycle, if the account minimum balance falls below $5,000 on any day during the statement cycle
Minimum to Open $50 $100
TBT VISA® checkcard No fee No fee
Checks Various styles and prices Various styles and prices
Earns Interest No

Yes - View Rates

Variable rate* with five-tiered interest level

TBTmyWay
(online banking)
No fee No fee
myPay
(online bill payment)
No fee No fee
Statements No fee eSTATEMENTS or paper statements without images. Copies of images $2.00 per monthly statement cycle. No fee eSTATEMENTS or paper statements without images. Copies of images $2.00 per monthly statement cycle.
Additional Benefits 1
  • No fee 24-hour ExpressPhone Banking
  • After-hours night depository available
  • Allows for direct deposit
  • No fee 24-hour ExpressPhone Banking
  • After-hours depository available
  • Allows for direct deposit
  • Eligible for OMNIClub
Rewards Offered 2
  • eSTATEMENTS = $1 cash
  • Direct Deposit = $2 cash
  • 15 or more posted transactions using checkcard monthly = $3 cash
  • Service fee waived with minimum daily balance of $1,500 or more
  • eSTATEMENTS = $1 cash
  • Direct Deposit = $2 cash
  • 15 or more posted transactions using checkcard monthly = $3 cash
  • Service fee waived with a minimum daily balance of $5,000 or more
Check-writing or Withdrawals Per Month Unlimited Unlimited
SMARTDeposit No fee No fee
Other Possible Fees View Fees View Fees 
FDIC Insured
Yes
Yes
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*Variable Rates. May change after account opening, and subject to change without notice.

1 TBTmyWay, Advantage, and Money Market checking accounts offer an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee. 

2 Preferred Rewards Checking is a non-interest bearing account. Monthly $8 service fee every statement cycle if the account minimum balance falls below $1,500 on any day during the statement cycle. Rewards paid on monthly statement cycle with $1 paid for eSTATEMENTS, $2 paid for accumulated direct deposit amount of $500 or greater, and $3 paid for 15 or more Visa® checkcard (debit) transactions posted to your account each statement cycle. Preferred Rewards Checking offers an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee.

Preferred Plus Rewards Checking is a five-tiered, variable rate of interest account. Interest rate, established by bank management, is subject to change at any time. Monthly $15 service fee every statement cycle if the account minimum balance falls below $5,000 on any day during the statement cycle. Rewards are paid on a monthly statement cycle, with $1 paid for eSTATEMENTS, $2 paid for accumulated direct deposit amount of $500 or greater, and $3 paid for 15 or more Visa® checkcard (debit) transactions posted to your account each statement cycle. Preferred Plus Rewards Checking offers an add-on package of $30,000 Accidental Death & Dismemberment Insurance, ID theft 911 resolution, and cell phone protection available for $3 monthly fee.