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Personal Banking / Checking Accounts / Real Rewards Checking + Real Saver Savings
Earn interest and our best savings rate.
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Real Rewards Checking + Real Saver Savings

For customers who prefer to earn great checking and savings interest rates.

Real Rewards Checking^

For customers who want to earn 3.00% APY* on balances up to $25,000 if qualifications are met.

Interest Earned

  • Nivel 1 Se pagará una tasa de interés del 2.96% sobre la porción de sus saldos diarios por debajo de los $25,000.01. El APY* para este nivel es del 3.00%.
  • Nivel 2 Se pagará una tasa de interés del 0.010% sobre la porción de sus saldos diarios que sea igual o superior a los $25,000.01. El APY* para este nivel oscilará entre el 0.61% y el 3.00%, en función del saldo en la cuenta.
  • Cuando no se cumplan los requisitos durante un Ciclo Mensual de Calificación** la tasa de interés sobre el saldo total será del 0.010% con el APY (porcentaje anual) correspondiente en el rango del 0.03% al 0.15%.
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Free Products and Services

Online Banking and Bill Pay YES
eStatements (Required) YES
Debit/ATM Card YES
Checks Processed Per Month UNLIMITED
Prearranged Overdraft Advance from Savings or Money Market YES

Qualifications

  • eStatements
  • Direct Deposit
  • 10 debit transactions posted and cleared per qualification cycle (PIN or signature)
View Calendar

Real Rewards Checking Fees

Non-Nicolet Bank ATM transaction $0
Check Processing $0
Unsigned Check $10 per check
Overdraft Protection Line of Credit^ $25 annual
Overdraft Protection Line of Credit Advance $6

Real Saver Savings^

For customers who want to earn 3.50% APY* on balances up to $50,000 if qualifications are met.

Interest Earned

When qualifications are met on your Real Rewards Checking account during a Monthly Qualification Cycle

  • Tier 1: An interest rate of 3.450% will be paid on the portion of your daily balances below $50,000.01. The APY* for this tier is 3.50%.
  • Tier 2: An interest rate of 0.010% will be paid on the portion of your daily balance that is equal to or greater than $50,000.01 The APY* for this tier will range from 1.17% to 3.50%, depending on the balance in the account.
  • When qualifications are not met during a Monthly Qualification Cycle** the interest rate on the entire balance will be 0.010% with an APY* in the range of 0.05% to 0.15%. 

Free Products and Services

Online Banking YES
Unlimited Deposits and Transfers into the Account YES
Earn Competitive Interest on Entire Balance YES
Direct Deposit YES

Click here to view the Real Rewards Checking Terms and Conditions
Click here to view the Real Saver Savings Terms and Conditions

Real Rewards Checking rates last updated 03.01.2025.
Real Saver Savings rates last updated on 03.01.2025. Rates are subject to change without notice.

*Your stated APY(Annual Percentage Yield) is variable and may change at any time at the discretion of Nicolet National Bank. The disclosed APY assumes that interest will remain on deposit. Fees may reduce earnings and APY. Withdrawals of interest earned will reduce earnings and APY. Interest is compounded monthly. Interest is credited to your account monthly. We use the daily balance method to calculate the interest earned on your account. The daily balance method applies a daily periodic rate to the account balance each day.

**Each qualification cycle begins on the last business day of the month and ends on the second to last business day of the following month. For a complete calendar of qualification cycles view calendar above.

^Subject to credit approval.