Earn up to 3.00% Annual Percentage Yield*.

Real Rewards Checking^

For customers who prefer to earn 3.00% APY* on balances up to $15,000 if qualifications are met.

Interest Earned

  • Tier 1: An interest rate of 2.96% will be paid on the portion of your daily balances below $15,000.01. The APY* for this tier is 3.00%.
  • 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 $15,000.01. The APY* for this tier will range from 0.40% to 3.00%, 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 corresponding APY* of 0.01%.
Open Account

Free Products and Services

Online Banking and Bill Pay YES
eStatements (Required) YES
Debit/ATM Card YES
Checks Processed Per Month UNLIMITED


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

Real Rewards Checking Fees

Check Processing $0
Unsigned Check $10 per check
Overdraft Protection Line of Credit ^ $25 annual
Overdraft Advance $6
Non-Nicolet Bank ATM transaction $0
Debit/ATM Card Replacement $5
Check Prices Ask your banker for details

Click here to view the Real Rewards Checking Disclosure

Rates last updated on 01/03/2023. 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 could 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.