Earn More with Premium Interest Checking
What is Premium Interest Checking?
Premium Interest Checking is an interest-bearing checking account from West Plains Bank and Trust Company that rewards higher balances with premium interest rates while still providing full access to everyday banking features.Why Choose Premium Interest Checking?
If you maintain a higher balance and want to maximize earnings without moving funds into savings, this account delivers stronger returns while keeping your money accessible.
Key Benefits
- Earn premium interest rates on qualifying balances
- Competitive interest even if balance falls below threshold
- Free standard checks
- Free debit card for purchases and ATM access
- Online and mobile banking access
- Bill pay and digital banking tools included
How Premium Interest Works
This account rewards customers who maintain a higher balance.
- Maintain a $1,500 minimum balance to earn premium interest rates
- Interest is paid on your account balance each statement cycle
- If your balance falls below $1,500, you may still earn interest (at a lower rate)
This structure allows you to maximize earnings while keeping funds fully accessible.
Account Requirements
To get the most from your Premium Interest Checking account:
- Maintain a $1,500 balance to avoid the monthly fee
- A $6 monthly fee applies if balance falls below requirement
- Use your account for everyday transactions
Built for Customers Who Want More
Premium Interest Checking is ideal for:
- Customers who consistently maintain higher balances
- Individuals looking to earn more than standard checking rates
- Anyone wanting interest + full liquidity without moving money to savings
Digital Banking Access
Enjoy the convenience of modern banking:
- Check balances and transaction history
- Transfer funds quickly
- Deposit checks using mobile deposit
- Pay bills securely online
Your account is backed by FDIC-insured protection, ensuring your funds remain secure.
How to Open a Premium Interest Checking Account
You can open your account:
Start earning more on your checking balance today.
Frequently Asked Questions
What balance is required to earn premium interest?
You need to maintain at least $1,500 in your account to earn the premium interest rate.
You need to maintain at least $1,500 in your account to earn the premium interest rate.
Is there a monthly fee?
Yes. A $6 monthly fee applies if your balance falls below $1,500.
Do I still earn interest if my balance drops?
Yes. You may still earn interest, but at a lower rate than the premium tier.
Is this better than a savings account?
It can be—if you want to earn interest while maintaining full access to your funds for daily use.
Is my money safe?
Yes. Your deposits are FDIC insured within applicable limits.
CDs & IRAs
Looking for a secure way to save? Our CDs and IRAs offer great rates and a stable path to your financial future.