Impact Checking | High-Interest Checking in Indiana
Start impacting your balance with a high-interest account! Start earning a 4.50% APY* when you open an Impact Checking account.
Why choose Impact Checking?
Impact Checking offers you a convenient and easy way to keep your money safe, while also earning a higher interest rate when simple monthly qualifications are met. If you opt for eStatements and establish a monthly direct deposit of $500 or more then you are all set to building your balance.
Simplified Qualifications:
✔ Establish a direct deposit with an aggregate total of $500 or more
✔ Enroll in eStatements
Impact Checking account features:
- 4.50% APY* on balances up to $20,000
- 0.25% APY* on balances over $20,000
- No minimum balance requirements
- Monthly service fees are waived if enrolled in eStatements
- (3) ATM fees refunded when qualifications* are met
- Free online banking and bill pay
- $50 minimum deposit to open
- Access to Debit Card Rewards
Account Benefits:

Online Banking Access

Mobile Banking & Deposit

Text Alerts

eStatements

Debit Card with rewards

Personal Banker Relationship
Are you ready to open your account? Find a location near you or open online in minutes!
*Annual percentage yield. Rate may change after the account opens. Rate as of 08/19 /2025. No minimum balance required to obtain the APY, daily balances up to and including $20,000.00 in your Impact Checking account earn an interest rate of 4.41% resulting in an APY of 4.50%, and daily balances over $20,000.00 earn an interest rate and APY of 0.25% on the portion of the daily balance over $20,000.00, resulting in a range from 4.50% APY to 0.81% APY depending on the account’s daily balance and qualification transactions and activities. APY of 0.81% is based on an account balance of $150,000.00. Monthly qualifications include enrolling in electronic statements (eStatements) and an ACH direct deposit of one (1) or more with an aggregate total of $500.00 posted to the account. If the account does not meet qualifications, then the interest and APY are 0.25% on the entire balance and ATM fees are not refunded. A $50.00 minimum deposit is required to open this account. Fees may reduce earnings on account.