Front view of young family with two small children indoors in bedroom reading a book.

Self-care is not selfish – that’s why you need a BONUS SPENDING account that pays YOU!

What’s a BONUS SPENDING account? It’s like a checking account (but who writes checks anymore?) that pays YOU! Instead of charging service fees and minimum balance charges, we pay you high dividends every month. Plus, it refunds your ATM fees nationwide, not just in NW Ohio.

Plus, link it to free BONUS Saver for automatic savings, so you keep more money in your pocket every month. And you don’t have to swim across Lake Erie to qualify. You do simple things each month to qualify for your rewards — banking basics that you’ve probably already been doing.

Have your “checking” somewhere else? No worries, we make it easy to switch to our BONUS SPENDING account.

With the Bay Area MasterCard debit card, we are excited to be able to offer the convenience of contactless payment options like Apple Pay, Google Pay and Samsung Pay! 💳👍 #contactlesspayment #walletless #applepay #googlepay #samsungpay

Apple Pay, Samsung Pay, Google Pay



It’s easy to qualify, you’re probably already doing it! Earn your rewards, by doing the following activities and transactions in your BONUS SPENDING account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH Auto-Debit or Bill Pay transaction post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

That’s it! And even if you don’t qualify, there’s still no monthly service fee and you still earn interest at the base rate. Plus, you can get back to earning your full rewards the very next monthly qualification cycle!

*APY=Annual Percentage Yield. APYs accurate as of 1/1/2023. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.0%; and (3) balances over $10,000 earn 0.25% dividends rate on portion of balance over $10,000, resulting in 2.00% – 0.41% 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 from the first of the month to the end of the month. Monthly direct deposit required to have this account. Limit one account per SSN.