FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal Banking / Checking Accounts / Real Rewards Checking
Earn up to 3.00% Annual Percentage Yield*.
Open Account

Real Rewards Checking^

For customers who prefer to earn 3.00% APY* on balances up to $25,000 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 $25,000.01. 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 $25,000.01. The APY* for this tier will range from 0.61% 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* in the range of 0.03% to 0.15%.
Open Account

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

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

Frequently Asked Questions

How do I open a new account?

You can open a new account by stopping in your local branch, by visiting the Nicolet National Bank website, or by logging into Nicolet Bank Digital.

Nicolet National Bank Website: Click the tab near the top that says "personal," then click on the type of account that you wish to open. Once you are on the product page, click the "open account" tab and follow the steps.

Nicolet Bank Digital: Login, then clock on the “Open Account” tab. Select the product you wish to open and click submit. Follow the steps to complete the process. 

Where do I find my account number?

1. Stop in your local branch, or call Customer Service at 1-800-369-0226 to request your account number.

2. If you have checks, your account number is the second set of numbers on your check. It is usually a seven digit number.

3. Your account number can be found in the Nicolet Bank Digital app or web browser by clicking into the account, expand the details to see the full account number.

How can I make a deposit into my account after bank hours?

1. You can make a cash or check deposit to any account(s) linked to a debit card at Nicolet from select ATMs. Any deposit made after 8:30 p.m. CT will be processed the next business day. Please view our branch/ATM locations to locate the nearest deposit accepting ATM.

2. You can deposit a check into your account(s) via the Nicolet Bank Digital app. Log onto the Nicolet Bank Digital app, and click "Deposit" at the bottom. Deposits made via the Nicolet Bank Digital app may take 24 hours to process. We do not process transactions Saturday and Sunday.

How do I get a copy of my statement?

You can obtain a copy of your statement by stopping into your local branch, or through online banking. Click on the desired account within online banking and click "Online Statments" at the top of the page.

Online statements are only available for accounts enrolled in electronic statements.

How do I order checks online?

You can order checks online by visiting the Deluxe Checks website, logging into Nicolet Bank Digital, stopping in at your local branch, or by calling Customer Service at 1-800-369-0226.

Does Nicolet provide blank checks (cashier’s checks) for their customers?

Nicolet does allow three free cashier’s checks per month for customers. We do not provide money orders.

Where are the Nicolet ATM’s located, and when would I be charged a fee?

Visit our Nicolet National Bank locations & ATM’s page to locate the closest Nicolet ATM near you or log in to the Nicolet Bank Digital Mobile app and select "Location" under "More". You can find a list of non-Nicolet ATM’s that will not charge a fee on the app or by clicking the “MoneyPass ATM” option on the Nicolet ATM page.

How do I add or change beneficiaries on my accounts?

You can add or change beneficiaries on your accounts by stopping by your local branch to speak with a banker. To schedule an appointment, call Customer Service at 1-800-369-0226, or schedule on the website.

How can I update my personal information?

You can update your personal information by stopping in at your local branch, or through the profile tab in online banking.

Click here to view the Real Rewards Checking Terms and Conditions 

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 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.