Choice Interest

Looking for a free1 checking account that earns a high interest rate? Look no further, Choice Interest is the account for you! 


  • 2.00% Annual Percentage Yield on balances up to and including $25,000
  • 0.25% Annual Percentage Yield on balances over $25,000
  • 0.05% Annual Percentage Yield on all balances when qualifications aren't met
  • Choice Savings account available
  • Unlimited ATM refunds, nationwide
  • Free e-statements (Paper Statements $2/mo.)

Reward Qualifications:*

  • 12 debit card purchases per cycle
  • 1 minimum online banking login per cycle
  • No minimum balance required
  • All accounts auto-qualify for rewards in the first statement cycle
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*Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Choice Interest account qualifications include: minimum of 12 debit card purchases per cycle, minimum of (1) online banking login, conducted by primary accountholder, per cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and purchases made with non-Cortland Bank issued debit cards. “Monthly Qualification Cycle” begins on the 6th of every month. The cutoff date for qualifying debit card purchases is the 5th of every month. If the 5th falls on a weekend or a holiday, the statement cycle and monthly qualification cycle will end on the business day before the weekend/holiday. APY = Annual Percentage Yield. APYs accurate as of 8/1/2020. Reward Information:  When your Choice Interest account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to and including $25,000 receive APY of 2.00%; and balances over $25,000 earn .25% APY on the portion of balance over $25,000, resulting in a range from 2.00% to .25% APY depending on the account’s balance and (2) you will receive unlimited reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.  When Choice Interest qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Choice Interest account on the last day of statement cycle.  Rates and rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services and log-on is required to meet some of the account’s qualifications. Contact a Cortland Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

1There is a $2.00 recurring monthly service charges for accounts that have not completed the electronic statement enrollment.