Available for residents nationwide, MemoryBank is offering 1.60% APY on their EarnMore Checking Account on balances up to $249,999.99. In order to earn the 1.60% APY you must complete the requirements of getting your statements online, use your debit card for at least 5 in-person or online purchases, and receive at least 1 electronic deposit. With the EarnMore Checking Account, you may enjoy their provided features such as: 24/7 online banking no monthly maintenance fees, access to over 85,000 surcharge-free ATMs and many more! MemoryBank is a member of FDIC and a division of Republic Bank & Trust Company.
Eligibility: MemoryBank is focused online with their headquarters located in Louisville, Kentucky.
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MemoryBank Rewards Checking Info:
- Sign Up Offer
- Account Type: EarnMore Checking
- Interest Rate: 1.60% APY
- Minimum Balance: $0
- Maximum Balance: $249,999.99
- Availability: Nationwide (Branch Locator)
- Expiration Date: None
- Credit Inquiry: Unknown, let us know
- Opening Deposit: $50
- Credit Card Funding: Unknown, let us know
- Direct Deposit Requirement: Yes
- Monthly Fee: None
- Additional Requirements: See below for details
- Closing Account Fee: Speak with your representative to see if fees apply
MemoryBank Rewards Checking Features:
- 24/7 online banking
- No monthly maintenance fees
- Access to over 85,000 surcharge-free ATMs
- MemoryAlert balance and activity notifications
- Live customer support through online chat, phone and email.
How To Earn Up to 1.60% APY Rate:
- Sign up to MemoryBank and open a EarnMore Checking Account with a $50 opening deposit.
- Get your statements online.
- Use your debit card for at least 5 in-person or online purchases.
- Receive at least 1 electronic deposit such as payroll, transfers from other financial institutions, or even Popmoney.
| Balance | APY |
| $0 – $249,999.99 | 1.60% |
| $250,000 and up | 0.05% |
Bottom Line:
Like most online banks, MemoryBank is great for those who are interested and qualify for membership. By being an online bank, it makes it more convenient for the customers because of their 24/7 online banking feature! If you have unanswered questions, be sure to contact a MemoryBank employee! Feel free to drop us a like and share your experience with this credit union by commenting below. Also, if you have any information whether this is a hard or soft pull, please let us know. For those of you don’t live in the area and can’t get this offer, you can view our entire list of Best Rewards Checking Accounts for other great options.
 The Chase Sapphire Preferred® Card offers 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. |
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