Yield Plus Checking Account
You deserve a checking account that makes your money work for you. Yield Plus Checking helps you earn high-rate interest while providing a hassle-free experience and a $0 minimum balance requirement1.
High Yield Account Features
Earn Interest - With our Yield Plus Checking account you can earn high yield tiered interest up to 2.00% APY on balances with qualifying direct deposit or bill pay2.
No ATM Fees Nationwide3 - Not near a Columbia Bank ATM? Not to worry. With your Yield Plus account you receive nationwide ATM refunds at any foreign (non-Columbia Bank) ATM up to 6 times or $20 per month.
Mobile Wallet - Columbia Bank is proud to offer our debit card users the shopping convenience of Apple Pay®, Samsung Pay®, or Google Pay. Whichever you choose, it is easy to set up and simple to use on your mobile device. You can also pay online the easier way with Visa Checkout and your Columbia Bank Visa Debit Card.
Free Visa Debit Card - Columbia Bank's Visa Debit Card offers even more convenience for your cash, purchasing, and gift needs. Our debit card is the most versatile card you can own. Whether you're running errands down the street, or taking off for a European adventure, you can use your Columbia Bank Visa Debit Card anywhere you see the VISA®, Accel®, or PLUS® logos.
Minimum Balance - Enjoy a $0 minimum daily balance with no service charges, giving you the freedom to choose what you want to do with your money.
Free Online Banking - All of our accounts feature free, 24/7 online banking. Access your money, make transfers, pay bills, and more. You can do all of this, even if you can't get to a branch.
Free Mobile Banking4 - Download the free Columbia Bank app on your mobile device, and within seconds you'll be able to check balances, deposit checks, pay bills, make transfers, locate the nearest ATM, 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.