High Interest Checking That Works for You!
A checking account that rewards you with high interest on your balance.*
No monthly service charge. No minimum balance to earn rewards.
Plus, we’ll reimburse ATM fees nationwide, so you can access your money anywhere.*
Qualifying is easy—just a few simple steps that make managing your account even better.
Ready to start earning more? Open your High Interest checking account today.
High Interest Checking Features:
- Checking account that pays high interest*
- Earn 1.31% APY* on balances up to $15,000.00*
- Earn 1.31% to 0.43% APY on balances over $15,000.00 depending on balance in account*
- Earn 0.01% APY* if qualifications are not met
- Earn 1.31% APY* on balances up to $15,000.00*
- Reimbursements on ATM fees nationwide up to an aggregate total of $20.00 per Monthly Statement Cycle*
- Link to your Dime Saver savings account to build savings quickly*
- No monthly service charge
- No minimum balance requirements to earn rewards
- Free debit card
- Free financial consultation
- Free telephone banking 866-DIAL-MY-Dime (866-342-5693)
- Many Online & Mobile Banking services included
- $50.00 minimum deposit to open
View the Monthly Statement Cycle Calendar.
Conveniently order checks to go with your account.
How to Earn Rewards:
Getting rewarded is easy and you are probably already doing these things! Each Monthly Statement Cycle* simply:
- Make 12 debit card purchases that post and settle.
- Be enrolled and log into Online Banking.
- Electronic Statements (eStatements) - be enrolled and receive your monthly account statement electronically.
That’s all it takes to earn your full rewards.
If you don't qualify, no problem. You will still earn interest and you can qualify again next month.
*APY= Annual Percentage Yield. APYs accurate as of 04/01/26. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Qualifications Information: Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Statement Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by The Dime Bank as ATM transactions and purchases made with non-The Dime Bank issued debit cards.
The Monthly Statement Cycle ends on the last business day of each month. Transactions made after that date count toward the next month’s cycle.
Reward Information: When your High Interest checking account qualifications are met during a Monthly Statement Cycle, (1) Balances up to $15,000.00 receive 1.31% APY; and balances over $15,000.00 earn 0.30% interest rate on the portion of the balance over $15,000.00, resulting in a range from 1.31% to 0.43% APY, (the APY will vary based on account balance) this range assumes a $15,000.01 - $115,000.00 account balance, although higher balances are accepted; and (2) you will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM fees incurred during the Monthly Statement Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees, you must contact us within thirty (30) calendar days after the statement cycle where the reimbursement was applicable in order to receive a reimbursement.
When High Interest checking account qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not reimbursed.
Interest earned and ATM fee reimbursements will be credited to your High Interest checking account on the last day of the Monthly Statement Cycle.
Additional Information: Account approval, conditions, qualifications, limits, timeframes and other requirements apply. A $50.00 minimum deposit is required to open the account. Enrollment in online banking, electronic statements (eStatements), log-on, and debit card transactions are required to meet the account’s qualifications. Limit of one (1) account per Social Security number. There are no recurring monthly service charges or fees to open or close this account.
The advertised High Interest checking APY is based on compounding interest.