For customers who want to earn a great interest rate.

Real Rewards Checking

Earn 3.00% APY* on balances up to $10,000 if qualifications are met.

Interest Earned

  • Tier 1: An interest rate of 2.96% will be paid on the portion of your daily balances of $0.01 to $10,000. The APY for this tier is 3.00%.
  • Tier 2: An interest rate of 0.01% will be paid on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from 0.26% 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 0.01% 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)
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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

*Annual Percentage Yield

**Subject To Credit Approval