Incentive Checking

Earn the high level of interest you deserve.

Incentive Checking Account

Higher Interest - It's the Icing on the Cake!

Our checking accounts are already great, but with Incentive Checking you can dig into the higher interest that you deserve! 

Qualified members can earn 4.75% APY* on every dollar of their average daily balance up to $20,000. 

  • No minimum to open
  • No monthly service charge
  • No minimum balance required

To earn the level of high interest, there are just a few things you need to do:

  • Have a valid email address on file
  • Use eStatements
  • Make a minimum of 1 Bill Pay transaction post to your account each month
  • Make a minimum of 8 Smart Check™ Debit Card point of sale transactions each month

If you are unable to meet the criteria each month, don’t worry. You won’t be charged some hefty fee. You will just receive a more modest interest rate on your average daily balance. And the transaction counters reset after the close of business on the last business day of each month, so even if you don’t receive the high interest rate one month, you can still qualify the next month.

Please keep in mind the close of business is 6pm on the last business day (Monday - Friday) of the month. If transactions are posted after 6pm on the last business day, they will count toward totals for the following month. The minimum age to open a checking account is 13.

Applying for an Incentive Checking Account is easy!

  • Already a member? Log into Insight Online to access your account and we’ll use the information already on file for your application. 
  • Not yet a member? Use the link above to register and provide your information to apply for membership, accounts, and loans.
  • Check Application Status! You can also check the status of submitted applications, or continue where you left off with an application already in progress.

*A.P.Y. = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice. Call 407.426.6000 for recent rate changes. Dividends are paid at the end of each month.

**Incentive Checking is a variable rate account and the rate may change after the account is opened. The Incentive Checking account is a Tiered Rate account. If your average daily balance is $20,000.00 or below and requirements are met, the APY will be the qualified APY. If your average daily balance is $20,000.00 or below and requirements are not met, the APY will be 0.05%. If your average daily balance is $20,000.01 or greater, 0.05% APY will apply to the average daily balance exceeding $20,000.00. To receive the qualified APY, member must have a valid email address, use eStatements, make a minimum of 1 Bill Pay transactions post to your account each month, and make a minimum of 8 Smart Check Debit Card transactions each month. Fees could reduce the earnings on the account.