Yield Plus Checking Account
Make Your Money Work For You.
Want a high yield checking account that makes your money work for you? Yield Plus Checking is a high yield bank account that helps you earn interest. Get a hassle-free, high yield banking experience with a $0 minimum balance requirement 1.
High Yield Account Features
Improve your banking experience with high yield checking that earns you a better return on your deposits. Columbia Bank's high yield checking account provides you and your family with the ability to earn more with your checking.
Earn Interest - With our Yield Plus Checking account, you can earn high yield tiered interest on balances with qualifying direct deposit or bill pay2.
No ATM Fees Nationwide3 - With your Yield Plus account, get nationwide ATM refunds when you use any non-Columbia Bank ATM up to 6 times or $20 per month.
Mobile Wallet - Debit card users can pay using Google Pay, Apple Pay® or Samsung Pay® wherever they're accepted. Paying with a mobile wallet is easy to set up and simple to do with your mobile device.
Free Visa Debit Card - Whether you're heading to the grocery store in your neighborhood or you're traveling the world, you can use your Columbia Bank Visa Debit Card wherever there is the VISA®, PLUS® or Accel® logo.
Minimum Balance - Enjoy a $0 minimum daily balance requirement with no service charges. You gain the freedom to choose what you want to do with your money.
Free Online Banking - Our accounts feature free, 24/7 online banking. Access your money, view your account balances, transfer money among accounts, deposit checks by using your phone, settle your bills and more.
Free Mobile Banking4 - Download the free Columbia Bank app on your mobile device. In no time, you'll be able to check balances, deposit money, pay bills, make transfers, find ATMs close by and much more.
1. Yield Plus is a variable rate consumer checking product and is subject to change after account is opened. For current Annual Percentage Yields (APYs), please click the “Disclosure” button above. For additional terms, fees and conditions please refer to our account disclosures.
2. If your daily balance is $500,000.00 or more, the interest rate paid on the portion of your balance that equals or exceeds $500,000.00 is currently .10%. The annual percentage yield would range from 2.00% to 1.05% with an assumed total balance of $1 million. If your daily balance is greater than or equal to $250,000.00 but less than $500,000.00 the interest rate paid on the entire balance in your account is currently 1.98% with an annual percentage yield of 2.00%. If your daily balance is greater than or equal to $10,000.00, but less than $250,000.00 the interest rate paid on the entire balance in your account is currently 1.49% with an annual percentage yield of 1.50%. If your daily balance is greater than $1,000.00, but less than $10,000.00, the interest rate paid on the entire balance in your account is currently .25% with an annual percentage yield of .25%. If your daily balance is greater than .01, but less than $1,000.00, the interest rate paid on the entire balance in your account is currently .10% with an annual percentage yield of .10%. If your daily balance is less than .01, no interest will be paid for that day. Fees may reduce earnings. Minimum balance to open this account is $0.01.
3. Yield Plus Checking provides for a waiver of up to six (6) ATM surcharge fees or $20, whichever is less, for each statement cycle when you use your Columbia Bank Visa ¨ Debit Card at domestic ATMs not owned or operated by us and the owners of such ATMs add a surcharge to your transaction. The refund of such surcharge fees will appear on your statement as a “credit.” The maximum rebate per 12 month cycle period is $240.
4. Standard text and data rates may apply from your phone provider with mobile banking.