Smart Rewards Checking - High Interest Checking

Find a better high interest checking account with Home Federal Bank's Smart Rewards Checking. Earn Bonus Interest Rate of 4.00% APY* on up to $20,000 of your checking account's balance PLUS tiered interest rates on balances above $20,000. PLUS receive foreign ATM fee refunds of up to $10.00 if the following minimum monthly requirements are met:
  • Minimum balance requirement of $250.00
  • Must have one direct deposit of at least $500.00
  • Must complete one ACH debit for any amount that posts and clears the account during the monthly statement cycle
  • Must receive imaged checks in a monthly E-Statement
  • Must complete at least 15 signature debit card transactions of at least $5.00 or more that post and clear the account during the monthly statement cycle
Plus:
  • Minimum of $250.00 required to open
  • No monthly service charge
  • Free unlimited ATM and debit card transactions at HFB ATM locations
    ($1.00 withdrawal fee for transactions at any foreign ATM location. Additional fees charged by foreign ATM owner will not be refunded.)
  • No interest paid on entire balance if qualifications are not met
  • Free online banking and bill pay
  • Free debit card
  • Free account alerts
  • Free mobile banking

Stop by one of our convenient locations in Shreveport-Bossier City, Louisiana or click to learn more about our high interest checking account.
Learn More
*APY = Annual Percentage Yield

Minimum to open HFB Smart Rewards Checking account is $250.00. Smart Reward Checking account rate tiers are as follows: 4.00% APY (interest rate 3.93%) applies to balances of $.01 - $20,000, and 0.50 APY (interest rate 0.50%) applies to balances over $20,000, if qualifications are met during the monthly qualification cycle. Qualifications include a minimum daily balance requirement of $250; one direct deposit of at least $500; must complete one ACH debit for any amount; must receive imaged checks in a monthly E-statement; and must complete 15 or more qualifying, signature-based, debit card transactions in an amount of $5.00 or more. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more business days from the date the transaction occurred to post to an account. Transfers between Home Federal Bank accounts do not count as qualifying transactions. No interest will be paid when qualifications are not met during the monthly qualification cycle. Foreign ATM transaction fees of up to $10.00, will be refunded if all qualifying transactions listed above post and clear during the monthly qualification cycle. If qualifications are not met, Foreign ATM transaction fees will not be refunded. APY accurate as of 4/5/2012. Rates may change after the account is opened. Fees may reduce earnings.