12
debit purchases
Use your Debit Mastercard® for at least twelve point-of-sale purchases that post and settle each statement cycle. Coffee counts.
Limited time offer · Open online or in any branch
Checking that earns like it’s trying.
High Yield Checking (with Qualifiers) puts your everyday money to work — up to 5.00% APY* on balances to $15,000 — without locking you into a long-term commitment. No term. No maturity date. It’s checking.
$50 minimum opening deposit · Debit Mastercard® included · Member FDIC
How to qualify
Three habits. That’s the whole deal.
Do these each statement cycle and the top rate applies. Miss one, and that cycle simply earns the non-qualifying rate — no penalty, no fee, try again next cycle.
1
direct deposit
Have at least one direct deposit — payroll, pension, Social Security — post and settle to the account each cycle.
0
paper statements
Enroll in eStatements and skip the envelope. Better for the drawer, required for the rate.
The rate, in plain rows
| Daily collected balance | Interest rate | APY* |
|---|---|---|
| Daily collected balances of $0.01 to $15,000 and all account qualifiers are met | 4.89% | 5.00% |
| The portion of daily collected balances greater than $15,000.01 and all account qualifiers are met | .01% | .01% |
| Daily collected balance of $1.00 or more if any account qualifier is not met | .01% | .01% |
Interest is paid at the listed rate on the daily collected balances in each tier, creating a blended rate for the entire balance.
No lock-up
Unlike a CD, there’s no term and no early-withdrawal penalty. Your money stays money.
$50 opens it
Every tier, same $50 minimum opening deposit. Open online today or stop by a branch.
A branch behind it
13 branches across Fairfield County and a Contact Center at 203-462-4400, weekdays 8:30–4:30.
*Annual Percentage Yield (APY) is valid as of July 1, 2026, and is subject to change. Minimum balance to open the account is $50.00 (all tiers). High Yield Checking Account Qualifiers are: at least twelve (12) qualifying debit card Point of Sale (POS) purchase transactions that post and settle within the statement cycle; AND at least one (1) direct deposit transaction that posts and settles within the statement cycle to this account; AND be enrolled in and agree to receive electronic periodic account statements (eStatements) for the statement cycle and discontinue receipt of paper periodic account statements for this account. Fees could reduce earnings. See Checking Account Disclosure for further details. Interest is paid at the listed rate on the daily collected balances on deposit in each tier, creating a blended interest rate for the entire balance. If account qualifications are not met during the statement cycle, the non-qualifying APY will apply. See rate schedule for current rates and tiers. Concept page presented for internal review.
Ready for the next 175 years?
Open an account online — or walk into a branch and talk to a person. Both still work here.