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Chartway will NEVER contact you directly and ask for specific confidential information (login credentials, PIN, card number, etc.). Be aware of fraudulent text and phone scams and take extra precaution. If you are contacted unprompted, please call us at (800) 678-8765. We are here to help keep your accounts safe.

High-Yield Checking Account
A whole new type of checking account, with higher returns and more perks

If you’re the type that knows how to take charge of your money and your earnings, then you need High-Yield checking to make big things happen. High-Yield Checking is geared toward members wanting higher returns with above-market rates, PLUS all the perks you need to make banking convenient to fit your busy lifestyle.

High-Yield Checking Account

Features

Earn up to 5.00% APY*
with high-yield checking + a qualifying loan or credit card

No Monthly Fees

Direct Deposit
get access to your money up to one day earlier

*Must perform a minimum of 15 debit card transactions each month, have $500 or more in direct deposits within a monthly cycle in the High–Yield Checking, and be enrolled in estatements with a valid email address.

High-Yield Makes More Sense

Not only do you get high dividends, but you get all the extras making checking easier than ever. 
  • Mobile & Online Banking
  • Online Bill Pay
  • No-Fee ATM Access
  • Overdraft Protection for Safe, Secure Checking
  • Free Access to Your Credit Score
  • Convenient Person-to-Person Payment – Instant Access
Plus: Bump up your earnings on other Chartway products. 

Get an additional 0.10% APY
On Chartway Money Market Plus

Get an additional 0.10% APY
On Chartway 12-Month Certificate Renewal

High-Yield Checking Account Calculator

How much will I earn with Chartway High-Yield Checking?
Enter your checking account balance:
Interest earned in one month:
$
Interest earned in one year:
$
APY= Annual Percentage Yield. Advertised rate 4.70% APY effective 2/1/24. Additional 0.30% APY with qualified Chartway loan or Chartway Visa credit card. Prime share rate effective if qualifications are not met. $15,000 balance cap. Balances over $15,000 priced at prime share rate.

Minimum Dividend qualifications: Must perform a minimum of 15 debit card purchases each month, have $500 or more in direct deposits within a monthly cycle in the High–Yield Checking, and be enrolled in estatements with a valid email address.

Table data for High-Yield Checking Rates
 Effective 04-19-2024
Balance Amount APR APY1 Alert Me
up to $15,000 4.89%2 5.00%2
above $15,000 0.05% 0.05%
  • 1APY = Annual Percentage Yield.
  • 2Advertised rate 4.70% APY effective 2/1/24. Additional 0.30% APY with qualified Chartway loan or Chartway Visa credit card. Prime share rate effective if qualifications are not met. $15,000 balance cap. Balances over $15,000 priced at prime share rate.

    Minimum Dividend qualifications: Must perform a minimum of 15 debit card purchases each month, have $500 or more in direct deposits within a monthly cycle in the High–Yield Checking, and be enrolled in estatements with a valid email address.

Open a High-Yield Checking Account

New Members 

If you're not yet a member with Chartway, click the button below to open a High-Yield Checking Account. 

Current Members

If you're already a Chartway member, click the button below to open a High-Yield Checking Account.

Switch to a High-Yield Checking Account

Want to switch from your current Chartway checking account to High-Yield? Click below to make the switch.

Recommended For Members With High-Yield Checking

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a $30 fee per item in order to pay a transaction.

With a Chartway Money Market account, you earn interest on the money you’ve saved.

The more you use your debit card, the more you save.