High Rewards Checking

Never 2 much of a good thing. 2.00% APY* Checking

High dividends and credit card cash back have come together in Inter American Trust Bank’s High Rewards Checking (HRC) account! No adding up points, just pure cash automatically deposited into your checking account each month. Not only can you earn 2.00% APY* on your Inter American Trust Bank checking account, but you'll also get 1% cash back on Inter American Trust Bank credit card purchases**. It’s just another reason Inter American Trust Bank is a smarter way to bank.

Get these benefits:

  • Pays 2.00% APY*
  • 1% cash back checking reward on purchases made with an Inter American Trust Bank Visa® credit card**
  • No minimum balance
  • A refund of all non-Inter American Trust Bank ATM fees*****
  • Free Online and Mobile Banking, Mobile Apps, and Memberline (24-hour automated phone banking system)
  • Free Bill Pay
  • Free checks for members 60 and up******
  • Free notary service and signature guarantees (by appointment only)

How to Earn Your Rewards


If You Have… You Will Earn…

• eStatements

• Monthly direct deposit or ACH transaction***

• 15 or more Inter American Trust Bank debit and/or credit card transactions that post monthly with a total spend of $500 or more

• Earn 2.00% APY* on balances up to $25,000

• Unlimited 1% cash back on credit card purchases

• Unlimited Non-Inter American Trust Bank ATM refunds


How to Sign Up

Need to open a High Rewards Checking account?

Click here to open an account online or visit your local Inter American Trust Bank location. If you have a Simply Checking account, send us a secure message within Online Banking or call us at and we can convert your existing account to High Rewards Checking.


Need a Credit Card?

Using your Inter American Trust Bank Visa Credit Card will earn you 1% cash back** if you have a qualifying High Rewards Checking account, plus new Visa Platinum cardholders receive a special low introductory rate****. If you need a credit card, simply apply online, in person at an Inter American Trust Bank location (and get an instant issue card while you are there), or call our Lending Center at , option 5, and we will fill out the application for you!


Some checking accounts offered by Inter American Trust Bank are not eligible for the High Rewards Checking account. No minimum balance required. High Rewards Checking is limited to one account per person. Qualifications and rewards may change at any time. High Rewards Checking dividends and/or rewards are paid provided monthly qualifications are met. Membership eligibility and $5 minimum balance required to maintain base savings account. Fees could reduce earnings on accounts. Bonuses may be taxable. Terms and conditions apply.
* APY = Annual Percentage Yield. Rate effective 01/01/18 and subject to change without notice. The 2.00% APY applies to balances up to $25,000 only; a lower rate will be paid on balances over $25,000.
** Cash back reward is based on your Inter American Trust Bank Visa Credit Card “Net Spend”. Net Spend is any eligible purchases made during the calendar month not during the credit card billing cycle. Excluded transactions include, but are not limited to, insurance payments, fees assessed, cash advances, balance transfers, and interest paid. Posted credits, unauthorized charges, and items returned during the calendar month may decrease the amount of net spend eligible for cash back. Rewards are posted on the first business day of each month for prior month activity. Accounts and loans that become and/or remain in delinquent status may not be eligible for cash back rewards. Inter American Trust Bank Visa Credit Card must be on the same account as your High Rewards Checking to be eligible for the cash back reward.
*** Transfers between Inter American Trust Bank accounts and Bill Pay transactions do not satisfy this requirement.
**** The Introductory Annual Percentage Rate (APR) applies only to purchases and balance transfers made on new Visa Platinum accounts during the first 60 days. After the initial 60 days, our Standard APR applies. The Introductory APR will continue to apply to the qualified transactions until your credit card account has been opened for 12 months or the balance is paid. Any remaining balance will roll into the Standard APR.
***** This benefit is available if you meet the qualifications described above. Refers only to Non-Inter American Trust Bank ATM Fee; does not include Surcharge Fee assessed by ATM Operator. See Fee Schedule for additional information about the Non-Inter American Trust Bank ATM Fee.
****** Free check offer applies only to one box of duplicate Gray Smoke Alliance style checks per year for your eligible checking account. CheckProtect shipping fee and taxes apply to all check orders. Your Inter American Trust Bank checking account will be debited within 10 days after shipment.