ecentive checking account

Checking Account For Physicians

One Rewarding Checking Account

PHYSICIAN eCENTIVE®

Make your money work harder with the Physician eCentive® checking account. This account is for those that want to earn a high interest rate while using the tools of a versatile checking account.

2.02% APY1for qualified balances of $0.01 – $100,0001
0.14% APY1for qualified balances greater than $100,0001
0.05% APY1Base Interest Rate (non-qualifying)

PHYSICIAN ECENTIVE® CHECKING ACCOUNT FEATURES:

Online Bank Account

  • Earn our highest yielding checking interest rate on balances up to $100,000*
  • Automatic refunds up to $25 per month (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
  • No minimum balance
  • $100 minimum to open account
  • Monthly eStatements required; Must have valid email address to enroll ($4 per month if you fail to enroll and paper statements are sent to you through U.S. Mail)
  • Debit card included

ADDITIONAL FEATURES AND REQUIREMENTS

  • Primary bank account holders (based on social security numbers) are limited to two (2) Physician eCentive® accounts at Physician Bank.
  • Overdrafts & NSF: $33 per item
  • Free Digital Banking, Mobile Banking, ePay online bill pay and more!
  • Transfer money electronically to or from your account… anytime, online
  • $30 fee if the account is closed within 6 months of opening
  • Interest rate is variable and may change after the account is opened

Simply meet 3 easy qualifications to earn monthly incentives:

  1. Use your debit card for monthly purchases of $500 or more**.
  2. Have at least one direct deposit or automatic payment (ACH) each month
  3. Enroll to receive eStatements
 
1 APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the account is opened. Interest Rates Effective Since February 1, 2023 2 Must meet qualifications (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)
3 ATM transactions do not count toward the debit card purchase requirement.
*When the Physician eCentive® bank account qualifications are met, balances up to $100,000 will earn that qualification rate for the entire statement cycle. Balances of $100,000.01 and above will receive that qualification rate for the entire month. If applicable, sales tax will be applied to service charges for accounts opened in Iowa.
**Please note that ATM transactions do not count toward the debit card purchase requirement.

Juanita Schmunk

Physician Private Banker

Juanita Schmunk - Physician Private Banker

Dedicated Support

Custom Solutions

Incentives

Exclusive Bank Account Privileges

Financial tools and services for physicians in all 50 U.S. states. Contact us today to learn more.

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