{"slug":"timberland-bank-smart-money-checking-rate","category":"bank","institutionSlug":"timberland-bank","product":"Smart Money Checking","title":"Timberland Bank Smart Money Checking: 3.05% APY","bonus":"3.05% APY","unit":"cash","amount":0,"reqShort":"12 POS debit txns + e-statements monthly","expiresOn":null,"status":"live","verifiedOn":"2026-08-20","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"timberlandbank.com","applyUrl":"https://www.timberlandbank.com/banking/personal/checking-accounts","summary":"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.","reqSteps":["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."],"finePrint":["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."],"apy":305,"apyTerm":"ongoing APY when qualifications met","listedOn":"2026-08-20","listedAt":"2026-08-20T13:07:55.865Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"timberlandbank.com rate page","url":"https://www.timberlandbank.com/banking/personal/checking-accounts","checkedOn":"2026-08-20"}],"needsVerification":false}