# Timberland Bank Smart Money Checking: 3.05% APY

Canonical: https://dealaka.com/offers/timberland-bank-smart-money-checking-rate

- Status: Limited reports
- Bonus: 3.05% APY
- APY: 3.05% (ongoing APY when qualifications met)
- Requirement: 12 POS debit txns + e-statements monthly
- Expires: no published end date
- Availability: Nationwide
- Institution: Timberland Bank
- Verified: Aug 20, 2026 against timberlandbank.com
- Field reports: 0

## 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.

## Requirements
1. Sign up to receive e-statements instead of paper.
2. Make 12 or more point-of-sale transactions with your Timberland debit card during each qualification cycle.

## 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.

## Sources
- timberlandbank.com rate page <https://www.timberlandbank.com/banking/personal/checking-accounts> (checked Aug 20, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._