Personal Checking Accounts
| PNW Premier | PNW Cash Back | Wise55 | Simply Free | Ultimate | Savi | |||||||||||||
| Your Needs | Competitive interest plus ATM fee refunds |
Earn cash back & ATM fee refunds for everyday debit card purchases |
Senior checking with perks |
Low balance and $0 monthly service charge |
High balances and earns interest |
Earns competitive interest |
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| Annual Percentage Yield (APY) |
When all qualifications ARE met: 7.00%† on balances up to $4,000 0.05% – 7.00%† on balances over $4,000 When all qualifications ARE NOT met: 0.05% on all balances See Rate Sheet for full details |
N/A | 0.25% | N/A |
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When all requirements ARE met: 4.00% § on balances up to $25,000 0.25% – 4.00% § on balances over $25,000 When all requirements ARE NOT met: 0.25% on all balances See Rate Sheet for full details |
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| Minimum Opening Balance | $25 | $25 | $25 | $100 | $100 | $100 | ||||||||||||
| Monthly Service Charge | $0 | $0 | $0 | $0 | $8* | $0 | ||||||||||||
| Qualifications / Requirements | All qualifications required per statement cycle: 12 Debit Card Transactions (ATM transactions not included), PLUS 1 Online or Mobile Banking login by primary accountholder**, PLUS 1 direct deposit or ACH withdrawal |
One (1) direct deposit (ACH Deposit) posted and cleared during statement cycle. |
55 years of age and older |
*$10,000 minimum daily balance, cumulatively for all personal accounts, to avoid $8 monthly service charge. |
All requirements required per statement cycle: 1 Direct Deposit (ACH deposit) PLUS 12 Debit Card Transactions (ATM transactions not included) PLUS Electronic Statements* ‖ |
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| Perks | Free online banking and bill pay. When all qualifications are met, foreign ATM withdrawal fees refunded each statement cycle, up to $10 per month. ‡ | Free online banking and bill pay. When all qualifications are met, earn 1% cash back on qualified debit card transactions, up to $30 per month PLUS foreign ATM withdrawal fee refunds up to $10 per month. Δ | Two free boxes of checks per year, free online banking and bill pay | Free online banking and bill pay | Free basic checks, free cashiers checks, free online banking and bill pay | Free online banking and bill pay. |
Competitive interest plus ATM fee refunds
When all qualifications ARE met:
7.00%† on balances up to $4,000
0.05% – 7.00%† on balances over $4,000
When all qualifications ARE NOT met:
0.05% on all balances
See Rate Sheet for full details
All qualifications required per statement cycle:
12 Debit Card Transactions (ATM transactions not included), PLUS 1 Online or Mobile Banking login by primary accountholder**, PLUS 1 direct deposit or ACH withdrawal
Earn cash back & ATM fee refunds for everyday debit card purchases
One (1) direct deposit (ACH Deposit) posted and cleared during statement cycle.
Senior checking with perks
55 years of age and older
Low balance and $0 monthly service charge
High balances and earns interest
| $0 to $9,999.99 | 0.05% |
| $10,000.00 to $24,999.99 | 0.10% |
| $25,000.00 to $49,999.99 | 0.20% |
| $50,000.00 to $99,999.99 | 0.30% |
| $100,000.00 to $249,999.99 | 0.40% |
| $250,000.00 + | 0.50% |
*$10,000 minimum daily balance, cumulatively for all personal accounts, to avoid $8 monthly service charge.
Earns competitive interest
When all requirements ARE met:
4.00% § on balances up to $25,000
0.25% – 4.00% § on balances over $25,000
When all requirements ARE NOT met:
0.25% on all balances
See Rate Sheet for full details
All requirements required per statement cycle:
1 Direct Deposit (ACH deposit) PLUS 12 Debit Card Transactions (ATM transactions not included) PLUS Electronic Statements* ‖
Use the scroll bar to view all available accounts ⟶
APYs are effective as of 10/1/2025. Rates are subject to change after account opening. Fees may reduce earnings.
**Online Banking enrollment is required to view accounts and/or enroll in Electronic Statements. Online Banking enrollment must be completed prior to activating Mobile Banking. Once your account is open, you may enroll for and log into Online Banking here or visit your local branch for assistance.
† PNW Premier Checking interest rate and Annual Percentage Yield (APY) will depend on the daily balance in the account and if qualifications are met. 0.05% – 7.00% is a blended APY – it includes the balance in both tiers, each of which earns a different interest rate. Higher balances will produce lower APYs. This is due to the blending of money accruing at the 0.05% rate with the $4,000 qualifying balance accruing at 6.78% rate.
‡ If all PNW Premier Checking qualifications are met, foreign ATM withdrawal fees incurred during the statement cycle will be refunded, up to $10 per month ($120 maximum per year) at the end of your statement cycle. Foreign ATM withdrawal fees incurred during the statement cycle will not be refunded if account does not meet all qualifications for the same statement cycle.
Δ If all PNW Cash Back Checking qualifications are met, account will earn 1% cash back on a maximum of $3,000 worth of debit card transactions posted during each statement cycle (up to $30 per month). Earning 1% cash back means you receive 1 cent for every $1 you spend, so if you spend $100, you will earn $1 in cash back. If all qualifications are met, foreign ATM withdrawal fees posted during the statement cycle will be refunded up to $10 per month ($120 maximum per year). Cash back will not be earned and foreign ATM withdrawal fees will not be refunded if account does not meet all qualifications during the statement cycle. Qualified debit card transactions exclude unauthorized or fraudulent activity, ATM withdrawals, or purchases of cash equivalent (gift cards, money orders, etc.).
§ Savi Checking interest rate and Annual Percentage Yield (APY) will depend on the daily balance in the account and if qualifications are met. 0.25% – 4.00% is a blended APY – it includes the balance in both tiers, each of which earns a different interest rate. Higher balances will produce lower APYs.
‖ All Savi Checking requirements will be waived during the first two (2) statement cycles to allow members to set up direct deposit and receive their Visa debit card. During that time, members will receive 4.00% APY on balances up to $25,000 and 0.25% – 4.00% APY on balances over $25,000.
Personal Rates
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