Neighbor Rewards Checking

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Neighbor Rewards Checking

A free, high interest Neighbor Rewards Checking account is two-fold in its effectiveness. First, simple things like receiving eStatements save us money. The money we save is then returned to you in the form of really high interest and nationwide ATM fee refunds!

Second, the extra money in your pocket circulates back into the community to benefit small businesses and fellow local citizens. At Portage Community Bank, community and customers come first. Take part in community-powered banking™ today.

  • 2.50% APY* on balances up to $25,000
  • 2.50% – 0.70% APY on balances of $25,000.01 or greater depending on balance in account
  • 0.05% APY* if qualifications aren't met
  • Nationwide ATM fee refunds (up to $20)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Unlimited free monthly transactions
  • Free mobile banking
  • Free online banking & bill pay
  • Free eStatements
  • Free Visa® debit card
  • No minimum deposit to open


Qualifying for rewards is so easy, you're probably already doing it! It's as simple as doing the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle.
  • Be enrolled in and agree to receive eStatements.

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning big interest and nationwide ATM fee refunds the very next month.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2019. Rates may change after account is opened. For Neighbor Rewards Checking, if qualifications are met each monthly statement cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances of $25,000.01 and over earn 0.25% interest rate on the portion of the balance of $25,000.01 and over, resulting in 2.50% - 0.70% APY depending on the balance. If qualifications are not met on Neighbor Rewards Checking all balances earn 0.05% APY. Transactions must post and settle to your account during monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle an account. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. Limit one account per SSN.