Tap. Swipe. Sign. Click. Your Checking, Your Way.
Six unique checking options. Countless ways to access your money. Whether through state-of-the-art digital banking, our network of 30,000 ATMs, or shared branching, you can confidently pay with your TAPCO debit card or mobile wallet anytime, anywhere. And when you choose TAPCO, you’re not just banking—you’re supporting your local community and keeping your money close to home.
Rewards Checking
| | High-Yield Checking | Cash Back Checking |
|---|
| Best For |
Earn high interest on your balance |
Earn cash back rewards on debit purchases |
| Earns Dividends |
4.00% APY* on first $7,500^;
0.00% APY above $7,500
|
No |
| Earns Cash Back |
No |
Earn 2.00% Cash Back^
on up to $500 in debit card purchases each month
|
| Minimum Opening Deposit |
$5 |
$5 |
| Monthly Service Charge |
No monthly fee with eStatements |
No monthly fee with eStatements |
| Minimum Balance |
$0 |
$0 |
| Courtesy Pay |
Yes** |
Yes** |
| Free Checks |
First Order Free |
First Order Free |
| Additional Monthly Requirements |
eStatements; Enrolled in Online Banking and logged within the last 45 days; 15 debit card swipes^ |
eStatements; Enrolled in Online Banking and logged within the last 45 days; 15 debit card swipes^ |
Traditional Checking
| | Premier Checking | Simple Checking |
|---|
| Best For |
Meets the needs of most members |
For those working to establish or rebuild their checking history |
| Minimum Opening Deposit |
$5 |
$5 |
| Monthly Service Charge |
No monthly fee with eStatements |
$5 |
| Minimum Balance |
$0 |
$0 |
| Earns Dividends |
No |
No |
| Courtesy Pay |
Yes** |
No |
| Free Checks |
First Order Free |
No |
Milestone Checking
| | Teen PACE Checking | 55+ Advantage Checking |
|---|
| Best For |
For members 13-17 with parental joint ownership^^ |
For members 55+ with dividend benefits |
| Minimum Opening Deposit |
$5 |
$5 |
| Monthly Service Charge |
No monthly fee with eStatements |
No monthly fee with eStatements |
| Minimum Balance |
$0 |
$0 ($500 to earn dividends) |
| Earns Dividends |
No |
0.01% APY |
| Courtesy Pay |
No |
Yes** |
| Free Checks |
No |
Free TAPCO-imaged checks or $5 credit towards designer checks |
Need more ways to grow your savings? Check out our Money Market Accounts!
*APY=Annual Percentage Yield. No monthly service fee is charged for any checking account during the month that it is opened. All Checking Accounts require TAPCO membership. Must meet qualifying criteria to open checking account. Offers may change at any time. Fees could reduce earnings. See complete details on account disclosures. **Must qualify for debit card and Courtesy Pay. ^Minimum of 15 debit card transactions of $3 or more per month. If Monthly Rewards Checking requirements and qualification not met at month end, High Yield Checking will receive 0.00% APY and Cash Back Checking will receive no cash back for the month. ^^Teen PACE Checking must have adult (parent, legal guardian) as joint on membership.
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