

Skip the monthly fees and minimum balance requirement! But DON'T skip the interest!
A checking account that not only provides the convenience of everyday banking but also earns interest! This account features no minimum balance requirement, allowing you to access your funds without the worry of maintaining a specific amount. Additionally, there are no monthly service fees, making it a cost-effective option for managing your finances.
By meeting certain conditions each statement cycle, you can earn a higher interest rate, allowing your money to grow even while you spend. Enjoy the benefits of an interest-bearing checking account designed to support your financial needs while maximizing your savings potential!
How do YOU earn Interest Reward Rates?
You earn Reward Rate of 2.50% APY** on balances up to and including $25,000 when all the reward requirements are met.
The requirements are:
- Enroll in Online Banking and receive your statements online* (Easy!)
- A direct deposit transaction must be posted, either an ACH debit or an ACH credit. (for example, a payroll deposit or a payment to any loan)
- A minimum of 12 signature-based VISA Check Card transactions must be posted each statement cycle.
- HOW? When you're ready to make a purchase, select "credit" as your payment option instead of a debit. With this option, you don't need to enter your secret PIN#. This applies to all daily purchases such as gas stations, grocery stores, anywhere VISA is accepted.
Ready to open an account?
Account Features
- Free Online Banking - access on all your devices
- Free Mobile Banking - take a photo of your check for easy and quick deposit. Click here for Mobile Deposit information
- Free Online Bill Payment - pay your bills easily online
- Free e-Statements - why wait for paper statements?
- No monthly service charge when you select e-statements*
- Free 24/7 Touch Tone Banking, just call 302-658-6888 or
- toll free 800-440-0361.
- No minimum balance requirement
Protect your account from overdrafts and NSF fees:
Life happens and we know that you can't follow your account balance every day. That's why we have options to help you avoid overdrawing your accounts. Click here for Overdraft Education information
Life happens and we know that you can't follow your account balance every day. That's why we have options to help you avoid overdrawing your accounts. Click here for Overdraft Education information
Sign up for Click-to-Pay with Visa:
After setting up an account with your debit card number, you can register it for instant access when you shop online. Look for the logo on a website that supports Visa, and simply tap or click it in order to pay for your products instantly.
After setting up an account with your debit card number, you can register it for instant access when you shop online. Look for the logo on a website that supports Visa, and simply tap or click it in order to pay for your products instantly.
Account Disclosures
For personal accounts only.
Minimum to open $50.00.
Monthly service charge $0.00.
Minimum to earn interest $0.01.
Balance requirement to avoid service charge - N/A.
APY =Annual Percentage Yield.
Interest is compounded daily, credited monthly. Offer of the Rewards Rate of 2.50% APY is effective February 12, 2024. Each dollar over $25,000 earns 0.10% APY when the rewards requirements are met. The APY for this tier will decrease from 2.50% to 0.70% depending on the daily balance in your account. This is a variable rate account and reward rates are subject to change after opening without notice.
For more information on the APY, please click box.
E-STATEMENTS
If you do not receive e-Statements, a $2 monthly paper statement fee will apply.
Fees may reduce earnings.
REWARDS REQUIREMENTS PER STATEMENT CYCLE:
Any statement cycle the reward requirements are not met, you earn the base rate of 0.10% APY for that statement cycle. Our Rewards requirements must be met each statement cycle, they are as follows:
- A direct deposit transaction or either an ACH Debit or Credit transaction must be posted within each statement cycle;
- Must make a minimum of 12 signature-based VISA® check card transactions each cycle;
- Must be enrolled in Artisans’ Bank Online Banking and receive electronic statements.

Your Cybersecurity Is Our Priority!
Hackers and cyber attackers are finding new ways to creep into your accounts and life, we make it a priority to stay ahead of the curve to keep you and your finances safe.