Pair an eligible SBSU Checking account with an SBSU Saver account to start saving money effortlessly.*
Open an AccountQualifying for your SBSU High Interest, SBSU Cash Back, SBSU Eats, or SBSU Play Checking rewards automatically qualifies you for the highest SBSU High Interest Savings rewards rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your SBSU High Interest, SBSU Cash Back, SBSU Eats, or SBSU Play account each Monthly Qualification Cycle:
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on SBSU Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
*APY = Annual Percentage Yield.
*Qualification Information: To earn your rewards on you SBSU Saver account, the following enrollments must be in place and all transactions and activities must post and settle to a linked SBSU High Interest, SBSU Cash Back, SBSU Eats, or SBSU Play account during each Monthly Qualification Cycle: 1) At least 2 direct deposit, ACH payment, or ACH credit transaction(s), 2) At least 12 debit card purchases, and 3) Be enrolled in and agree to receive e-statements. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.
*Reward Information: A SBSU High Interest, SBSU Cash Back, SBSU Eats, or SBSU Play account is required to have a SBSU Saver account. A linked SBSU Saver account is required for automatic savings. When qualifications are met on a linked checking account to a SBSU Saver account during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your SBSU Saver account earn an APY of 2.00% APY and daily balances over $50,000 earn an interest rate of 1.982000% on the portion of the daily balance over $50,000, resulting in a range from 0.75% to 2.00% APY depending on the account’s daily balance. When qualifications are not met on a linked checking account, the entire daily balance in the SBSU Saver account earns an interest rate of 0.050000% resulting in an annual percentage yield of 0.05% APY. Interest will be credited to your SBSU Saver account on the last day of the current statement cycle.
NOTE: ATM fee reimbursements only apply to SBSU High Interest, SBSU Cash Back, SBSU Eats, or SBSU Play transactions via ATM; SBSU Saver ATM transaction fees are not reimbursed nor refunded.
When qualifications are not met on the SBSU High Interest account, the interest rate earned on the account’s entire daily balance will be 0.050000% resulting in an annual percentage yield of 0.05% APY.
Rates effective as of 12/08/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
*Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $10 minimum deposit is required to open SBSU Saver account. No minimum deposit is required to open the SBSU Saver account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.