Milestone Account Checking OverviewAddvantage CheckingEvantage CheckingFree CheckingFree Checking for SeniorsDebit Card An innovative tiered checking account and savings all rolled into one, with features suited to each life phase through age 23, when it automatically phases into a Free Checking Account. Top Features A tiered account that changes with the account holder’s age Parental involvement and controls for the youngest account holders More freedom and responsibility for young adults Explore the details of each Milestone First Steps + Effective as of 02/18/2026 Ages0 – 12Minimum to Open Account$25.00Initial Account Opening Bonus Match1$25.00 on initial depositInterest Rate Tier 1 (balances up to $500.00)5.00%Annual Percentage Yield (APY)2 Tier 1 5.12%Interest Rate Tier 2 (balances above $500.00)0.01%Annual Percentage Yield (APY)2 Tier 22.56% – 5.12%Birthday Reward3$10.00Online Banking6parents onlyBill Payment7n/aMobile Bankingparents onlyZelle®9parents onlyParent on Accountyes 1Initial account opening bonus will be deposited within the first 30 days after the account is opened and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements. 2Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest. 3Birthday reward will be deposited the first business day of the month following when the birthday occurred. One birthday reward per account per calendar year. Account balance must be $0.01 or greater to receive the birthday reward. 6Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply. 7Parents/guardians cannot register for Bill Payment until the minor is of the age of 18. 9Zelle® is available to parents/guardians in all stages of the account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Keeping Pace + Effective as of 02/18/2026 Ages13 – 15Minimum to Open Account$25.00Initial Account Opening Bonus Match1$25.00 on initial depositInterest Rate Tier 1 (balances up to $500)5.00%Annual Percentage Yield (APY)2 Tier 1 5.12%Interest Rate Tier 2 (balances above $500)0.01%Annual Percentage Yield (APY)2 Tier 22.56% – 5.12%Foreign ATM Fees Waivedall waivedATM Surcharges Rebatedup to $20.00/monthDebit Card Usage Limits4 $250.00/dayIn-Branch Withdrawals and Check Cashing5$250.00/dayATM Withdrawals$250.00/dayOnline Banking6yesBill Payment7n/aMobile BankingyesMobile Deposit Limits8$250.00/check $500.00/daily $1,000.00/multi-dayZelle®9parents onlyParent on Accountyes 1Initial account opening bonus will be deposited within the first 30 days after the account is opened and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements. 2Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest. 4In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 5The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250.00 maximum with the parent/guardian present. 6Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply. 7Parents/guardians cannot register for Bill Payment until the minor is of the age of 18. 8Mobile Deposit Limits change based on the benefit category: Keeping Pace: our current daily deposit limit is $500.00 per day and no single check exceeding $250.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000.00 over a five-day period; Gaining Ground: our current daily deposit limit is $2,500.00 per day and no single check exceeding $1,000.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000.00 over a five-day period; Building Up: our current daily deposit limit is $5,000.00 per day and no single check exceeding $2,500.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000.00 over a five-day period. Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement. 9Zelle® is available to parents/guardians in all stages of the account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Gaining Ground + Effective as of 02/18/2026 Ages16 – 18Minimum to Open Account$25.00Initial Account Opening Bonus Match1$25.00 on initial depositInterest Rate Tier 1 (balances up to $500.00)5.00%Annual Percentage Yield (APY)2 Tier 1 5.12%Interest Rate Tier 2 (balances above $500.00)0.01%Annual Percentage Yield (APY)2 Tier 22.56% – 5.12%Foreign ATM Fees Waivedall waivedATM Surcharges Rebatedup to $20.00/monthFree Basic ChecksyesDebit Card Usage Limits4$1,000.00/dayIn-Branch Withdrawals and Check Cashing5no limitationsATM Withdrawals$500.00/dayOnline Banking6yesBill Payment7only at 18Mobile BankingyesMobile Deposit Limits8$1,000.00/check $2,500.00/daily $5,000.00/multi-dayZelle®9only at 18Parent on Accountyes 1Initial account opening bonus will be deposited within the first 30 days after the account is opened and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements. 2Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest. 4In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 5The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250 maximum with the parent/guardian present. 6Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply. 7Parents/guardians cannot register for Bill Payment until the minor is of the age of 18. 8Mobile Deposit Limits change based on the benefit category: Keeping Pace: our current daily deposit limit is $500.00 per day and no single check exceeding $250.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000.00 over a five-day period; Gaining Ground: our current daily deposit limit is $2,500.00 per day and no single check exceeding $1,000 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000.00 over a five-day period; Building Up: our current daily deposit limit is $5,000.00 per day and no single check exceeding $2,500.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000.00 over a five-day period. Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement. 9Zelle® is available to parents/guardians in all stages of the account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Building Up10 + Effective as of 02/18/2026 Ages19 – 23Minimum to Open Account$25.00Initial Account Opening Bonus Match1$25.00 on initial depositInterest Rate Tier 1 (balances up to $500)5.00%Annual Percentage Yield (APY)2 Tier 1 5.12%Interest Rate Tier 2 (balances above $500.00)0.01%Annual Percentage Yield (APY)2 Tier 22.56% – 5.12%Foreign ATM Fees Waivedall waivedATM Surcharges Rebatedup to $20.00/monthFree Basic ChecksyesDebit Card Usage Limits4$1,000.00/dayIn-Branch Withdrawals and Check Cashing5no limitationsATM Withdrawals$500.00/dayOnline Banking6yesBill Payment7yesMobile BankingyesMobile Deposit Limits8$2,500.00/check $5,000.00/daily $10,000.00/multi-dayZelle®9yesParent on Accountoptional 1Initial account opening bonus will be deposited within the first 30 days after the account is opened and is provided once during the Milestone account lifetime. The initial account opening match is subject to tax reporting requirements. 2Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account. Interest rate and APY are accurate as of 7/12/2022 and calculated on an account balance of $1,000.00. Account balance must be $0.01 or greater to earn interest. 4In the stage of Keeping Pace, the parent/guardian must co-sign the application in order for the minor to apply for a debit card. In all stages, parents/guardians are not eligible to receive a debit card in their name. 5The parent/guardian may make withdrawals without limitations in all account stages. In the Keeping Pace the minor may exceed the $250.00 maximum with the parent/guardian present. 6Only parents/guardians can register for Online and Mobile Banking in the First Steps benefit category. Message and data rates may apply. 7Parents/guardians cannot register for Bill Payment until the minor is of the age of 18. 8Mobile Deposit Limits change based on the benefit category: Keeping Pace: our current daily deposit limit is $500.00 per day and no single check exceeding $250.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $1,000.00 over a five-day period; Gaining Ground: our current daily deposit limit is $2,500.00 per day and no single check exceeding $1,000.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $5,000.00 over a five-day period; Building Up: our current daily deposit limit is $5,000.00 per day and no single check exceeding $2,500.00 with a maximum number of ten checks. The current multi-day check deposit limit is currently 15 check deposits and $10,000.00 over a five-day period. Mobile Deposit Limits for the parent/guardian can be found in our Mobile Banking Agreement. 9Zelle® is available to parents/guardians in all stages of the account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 10Building Up will automatically convert to a Free Checking on the 24th birthday. Let’s get started! Visit one of our branches or open online to get started. Open Online Open at a Branch Compare the full list of features for all of our checking accounts. View Comparison Chart Your Personal Bankers Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances. Learn More
