Today's checking rates – Annual Percentage Yield (APY) is offered at the bank's discretion and subject to change without prior notice. Must maintain the minimum balance needed for each tier in order to earn the disclosed APY. The daily balance method is used to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for the deposit on all accounts. Interest will be compounded daily and credited to your account monthly. If you close your account before interest is credited you will not receive the accrued interest. Account subject to the terms and conditions and fees associated with maintaining the account. Fees could reduce earnings on the account. FDIC insured to the maximum allowed by law.