Emerald Checking

Emerald Checking

Get your high-yield interest started. 

With the Emerald Checking account, enjoy the convenience of our regular checking services, with the option to earn .50% APY¹ high-yield interest.  There’s no minimum balance* or direct deposit requirement.  And, our members age 62+ can even get free check reorders.

How to earn high-yield interest:

Swipe and choose “Credit”- have at least 18 posted signature-based transactions per statement cycle using your Achieva MasterCard® debit card or Achieva VISA® credit card, or a combination of both cards.**


    • No monthly debit card service charge!
    • High-yield interest calculated on your daily checking account balance, will be deposited monthly to your checking account, when requirements are met.***
    • Free Online Banking, Online Bill Pay and MoneyLine for anytime access online or by phone.
    • Free account access and withdrawals at Publix® Presto! ATMs – over 900 locations
    • No minimum balance requirement.*
    • Unlimited check writing, with no per-check fees.
    • No annual fee MasterCard debit card to use at ATMs and for purchases.
    • Ability to set up overdraft protection.

    Time to get started, join now!
    Click here to learn about our Emerald Cash Rewards VISA credit card.

    *Certain fees may apply. Please refer to our current Schedule of Fees.Fees may be assessed if certain minimum account balances are not maintained, please ask for further details. Fees and other conditions could reduce earnings.
    **At least 18 qualifying transactions must be posted during the monthly statement cycle, for interest to be paid on the daily checking balance. Please be aware that qualifying transactions may not post on the same day as you made the transaction. To ensure the posting of your transactions by the statement closing date, transactions may need to be made prior to the statement closing date. If at least 18 qualifying transactions are not posted by the statement closing date, no interest will be paid for that month. Any combination of 18 Achieva debit card and/or Achieva credit card signature-based posted transactions will qualify. Eligible credit cards include Achieva Classic, Gold, Platinum, Emerald Cash Rewards, and College Connection VISA. A signature-based transaction is made by pressing the “Credit” key, instead of the “Debit” key at checkout. Internet and mail orders may, or may not qualify, if made with your debit or credit card. Please confirm with the retailer to be certain the purchase will qualify as a signature based transaction.
    *** High-yield interest will be earned on the daily balance up to and including $15,000. Daily balances over $15,000 will earn .15% APY (Annual Percentage Yield).  For our current rates, click here

    ¹APY is Annual Percentage Yield. The APY is accurate as of November 1, 2012. Rate is subject to change.

    2Your choice of 50 or 120 free “Achieva style” checks. Limit one box, every six months, for life.