High Yield Checking: Take Your Money to New Heights
Our Elevate checking account is designed to pay you on the money that you keep in a checking account to cover your everyday expenses, rewarding you most on your first $20,000, where you will earn an incredible interest rate. As your balance grows, you will continue to earn competitive, steady returns on every dollar, with a tiered interest rate structure that keeps your total earnings growing as your balance climbs.
Elevate Your Balance
Complete 3 simple qualifying activities each month in order qualify for great rates and watch your balance climb!
- Electronic deposits totaling $1,000 or more
- 10 Debit transactions
- Sign-in to your account online
High Yield Checking Rates
Balance Tier | Interest Rate | APY* |
|---|---|---|
| $20,000 or less | 4.41% | 4.50% |
| Greater than $20,000 up to $50,000 | 1.98% | 4.50% - 3.00% |
| Greater than $50,000 up to $100,000 | 2.23% | 3.00% - 2.63% |
| Greater than $100,000 up to $1,000,000 | 2.47% | 2.63% - 2.51% |
| Greater than $1,000,000 | 2.57% | 2.51% - 2.60% |
Elevate your Balance
FDIC Insured
Competitive Rates
Redefine Your Banking with a High Yield Checking
Here’s a snapshot of what your annual earnings could look like if you have a balance of $150,000 in FNBA’s Elevate Checking:
| Tier | Balance | APY | Annual Interest Earned per Tier |
| 1st Tier | $20,000 | 4.50% | $900 |
| 2nd Tier | $30,000 | 2.00% | $599 |
| 3rd Tier | $50,000 | 2.25% | $1,126 |
| 4th Tier | $50,000 | 2.50% | $1,249 |
| Total Balance: | $150,000 | $3,874 |
*Calculations above are approximate and for illustration purposes only.
With a balance of $150,000, you could earn over $3,800 in interest in our Elevate Checking account in just 1 year!
You always earn the top rate for the portion of your balance in each tier. That means that your first $20,000 continues to earn the top tier APY* even as your balance elevates. It’s checking that keeps your money and your interest earnings, working for you!
Rise Above with FNBA’s Elevate High Yield Checking
Taking your balance to new heights is easy – complete a few simple, qualifying activities each month and elevate your earning with premium, tiered rates.
Set up Direct Deposit
Set up direct deposit that is equal to or greater than $1,000 each month
Use your Account
Use your account for a minimum of 10 debit transactions each month (debit transactions can be a combination of debit card usage, bill pay, electronic transfers, checking writing, ATM or in-person withdrawals)
Use online banking
Sign-in to your online or mobile banking account at least once each month
Open Your Elevate Checking Today!
Elevate Checking is a tiered, variable-rate account with a minimum opening deposit of $1,000 of new money. *To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 average daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. New money is defined as money received from another financial institution and not transferred between accounts at FNBA. Statement Cycle is defined as the monthly recurring time period between two consecutive account statements (i.e. Sept 5th through October 4th). Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly Statement Cycle, 4.50% APY will apply to balances up to $20,000.00; 2.00% APY will apply to balances of $20,000.00-$50,000.00; 2.25% APY will apply to balances of $50,000.00 – $100,000.00; 2.50% APY will apply to balances of $100,000.00 – $1,000,000.00 and an APY of 2.60% for balances of $1,000,000.00 or higher. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each monthly Statement Cycle using an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the Statement Cycle. The average daily balance is calculated by adding the balance in the account for each day of the Statement Cycle and dividing by the number of days in the Statement Cycle. General information: All Elevate Checking Accounts in which reward qualifications are not met will earn 0.01% APY for the entire balance. If you close your account before interest is paid, you may not receive the accrued interest. Only one Elevate Checking per Social Security number.