Rewards Checking

Rewards Checking

Rewards Checking is an innovative free account that pays! With 1.50%* Annual Percentage Yield (APY), your checking account becomes a true investment, making more money than a savings account each monthly qualification cycle. Since we refund ATM fees* incurred by other banks nationwide, you'll never waste those gains on getting cash. Plus, you'll receive a Visa Debit Card, internet banking and online bill pay - all for free! There are never monthly service fees or hidden service charges, just rewards for using Community Bank of Raymore!

Rewards you will receive if qualifications are met each monthly qualification cycle:

  • Earn 1.50% APY on balances from $0.01 to $10,000
  • Earn 1.50% - 0.10% APY on balances over $10,000, depending on the balance in the account*
  • Earn 0.05% APY on all balances if qualifications are not met
  • Reimbursement of all ATM fees nationwide*

Other Features

  • No minimum balance to earn rewards
  • Low opening deposit of $100
  • No monthly service fee
  • Free online banking and bill pay
  • Free Visa Check Card


To earn your rewards, just do the following transactions and activities in Rewards Checking each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle (ATM withdrawals do not count)
  • Have at least one automatic payment or direct deposit post and settle
  • Receive your monthly statement electronically

If you don't qualify during a cycle, don't worry! Your account will still function as a free checking account earning 0.05% APY* and you get right back to making 1.50% APY* and enjoying ATM fee refunds* the next cycle you qualify.

*APY=Annual Percentage Yield. APYs accurate as of 08/1/2014. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 1.50%; and (3) balances over $10,000 earn 0.10% interest rate on portion of balance over $10,000, resulting in 1.50% - 0.10% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per customer and available on personal accounts only. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification.

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