Redeem Your Points for Awesome Rewards


    Get money back by trading in your debit reward points for cash deposited into your account.

    Gift Cards

    Use your reward points for gift cards to popular stores and restaurants like Best Buy®, Chili’s®,®, and more.


    Choose from thousands of items — from electronics and clothing to accessories. Have your items shipped or pick them up at participating retailers.


    Ready for a vacation? Redeem your reward points for airline tickets,
    hotel rooms, and more.


    Enjoy a fun night out! Trade in your points for tickets to shows, sports events, movies, and more.

    Charitable Donations

    Looking to do some good? Your debit reward points can be converted to a cash donation to our preferred charity, the You First Foundation.

Free Checking with Debit Rewards Features

    Debit Rewards

    Earn 1 point for every dollar you spend with your debit card.

    No Monthly Fee

    Save your money for what matters with no monthly service charge.

    No Minimum Balance

    Start your account with just $1 and enjoy no minimum balance requirement.

    Free Visa® Debit Card

    Use your card or pair with digital wallets to make secure and simple purchases worldwide.

    Free eStatements

    Receive your statements electronically for quick access.4

    Federally Insured

    Your funds are federally insured up to $250,000.

Overdraft Protection

We know things don’t always go as planned. That's why your account gives you two ways to help you avoid overdrafts. You can create an extra line of defense for your account, by linking it to a savings account or line of credit.7  Plus, you can receive additional coverage with Courtesy Pay.8  If you accidentally overdraw your account, our two overdraft protections options will have you covered.