Earn up to 3.05% APY on balances up to $15,000 and 0.08% APY on amounts over $15,000 when you make 12 point-of-sale debit card transactions and enroll in e-statements each qualification cycle. If qualifications are not met, the account earns 0.05% APY on the entire balance.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Timberland Bank Smart Money Checking rate
- Sign up to receive e-statements instead of paper.
- Make 12 or more point-of-sale transactions with your Timberland debit card during each qualification cycle.
The fine print that matters
- The APY is accurate as of 12/1/2022
- Rates are subject to change without notice and may change after the account is opened
- Fees may reduce earnings on this account
- Qualifying transactions must post and settle to your account within the qualification cycle
- Only debit card transactions processed as POS transactions count toward qualifying transactions
- Without the monthly qualifications the rate is 0.05% APY.
Verification and reports
Confirmed against timberlandbank.com on Aug 20, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: timberlandbank.com rate page (checked Aug 20, 2026)
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