Special Offers
We understand that everyone’s financial needs are unique. Whether you want to earn a higher rate of interest on your everyday balance or just need a little extra cash in your pocket, our special offers are designed to meet your banking needs today— and work toward your goals for the future.
High-Yield Debit Account
Experience the convenience of a checking account and the earnings of a saving account.
High-Yield Debit Account*
Experience the convenience of a checking account and the earnings of a savings account all in one with our High-Yield Debit Account. Let your money grow safely while maintaining full access to your funds.
Included features:
- Interest paid monthly
- Debit card and checks available
- No transaction limitations
- $0 maintenance fee when $2,500 minimum daily balance is met
13-Month CD**
Earn our highest rates** when you qualify for the Platinum tier of Benefits Banking Loyalty Program.
Learn more about Bankers Trust Certificates of Deposit (CDs).
3.65% to 4.15%** APY
3.65% to 4.15% Interest Rate
$400 Offer***
Your money, your way. Whether you’re looking for an account with a high monthly interest rate or one that keeps up with your direct and mobile deposits, Bankers Trust has the right choice for you.
- BreakFree Checking Plus – For anyone who frequently uses their debit card. Start earning the benefits you deserve with this high-interest-earning account.
- Direct Checking Plus – For anyone who relies on the convenience of direct deposits or mobile deposits through mobile banking.
Please note: You must visit the branch to open this account.
View the Supplemental Terms and Conditions for BreakFree Checking Plus and Direct Checking Plus accounts.
*Minimum opening deposit is $25. Rates may change after the account is opened. Fees may reduce earnings. Interest rate and APY are effective as of September 5th, 2026 and subject to change without notice.
**Loyalty Program Bonus Interest Rate Terms
Please see information about qualifying for the Benefits Banking Loyalty Program.
Rate information — The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank’s Consumer Rate Sheet, plus a bonus interest rate, if applicable. Your interest rate, annual percentage yield, and the applicable benefits tier may change while enrolled in the Loyalty Program.
Determination of rate — The interest rate on your account is based on the variable base interest rate for the period for the savings account type, plus the bonus interest rate corresponding to the benefits tier which you qualify for during the evaluation period.
Frequency of rate changes — We may change the bonus interest rate on your account every time you qualify for a different benefits tier.
Limitations on rate changes — The interest rate will never drop below the variable base interest rate disclosed on the Bank’s Consumer Rate Sheet for the period and the corresponding savings account type.
Minimum balance to obtain APY is $1,000.00. Minimum balance for minors to obtain APY is $500.00. Minimum balance for IRAs to obtain APY is $200.00. Minimum balance for Auto-Save IRAs to obtain APY is $50.00. Penalty for early withdrawal. Fees may reduce earnings. The interest rate and APY are effective as of August 25th, 2026 and are subject to change without notice. Available only for customers holding accounts for personal, family or household purposes. Interest rates will not automatically apply to Certificates of Deposit that are automatically renewing during this promotion. HSA CD Requirements: 1) You must maintain a Health Advantage account at Bankers Trust in conjunction with the HSA CD. 2) The HSA CD must be funded from the Health Advantage account. 3) If you request HSA CD interest be paid to you (as an alternative to adding the interest back to the HSA CD), it must be transferred to your Health Advantage account. 4) If you redeem (cash out) the HSA CD, the money must be transferred back to your Health Advantage account. 5) The Bankers Trust Wellness Option – which permits penalty-free early withdrawals from CDs if the funds are used for medical expenses – does not apply to the HSA CD. Early withdrawals of principal made for any reason, including medical expenses, are subject to penalty. If the checking account is closed at any time during the term of the CD, the package will no longer qualify for the Loyalty Program, Platinum tier, or applicable benefits.
***To be eligible for the bonus you must open a Primary Checking Account, either a BreakFree Checking Plus or Direct Checking Plus account (“Bonus Account”) in person at a branch with a minimum opening deposit of $25. To qualify for the bonus, customers must complete the requirements below through the Bonus Account within 60 days from the date of its opening. Bonus will only be credited if the account is currently in an open status with a positive balance.
- 25 debit transactions. A “debit transaction” for the purpose of this section means a debit to your Bonus Account that originated from an ACH, Bankers Trust bill payment, drafting checks, or use of your debit card as a method of payment or purchase. Qualifying debit card transactions must post and settle during the 60 days from account opening. A “debit transaction” does not include debits to your Bonus Account that originated from ATM withdrawals or other debits to your Bonus Account; and,
- 2 direct (ACH) and/or Mobile deposits of at least $200 each must post and settle during the 60 days from account opening. A “deposit” for the purposes of this section does not include ATM deposit, deposits made in person, account-to-account transfers, or other deposits to your Bonus Account.
Eligibility will be verified 60 days after the Bonus Account’s opening. Bonus will only be credited if the account is currently in an open status with a positive balance. Should you have met all eligibility requirements and are not subject to the limitations and exclusions contained herein, the bonus will be credited to the Bonus Account within 75 days of its opening. Limit one bonus per household. Offer not available to existing Bankers Trust checking customers or those that have had a checking account with Bankers Trust within six months of Bonus Account opening. Employees of Bankers Trust and/or its affiliates are not eligible for bonus. Offer available for a limited time. Open a primary checking account by September 30, 2026. Early closing fee of $400 will be charged if your Bonus Account is closed within 12 months of opening. Annual Percentage Yield (APY) on Break Free Checking Plus is 0.60% for balances less than $5,000.00 and 0.55% for balances $5,000.00 and over, effective September 5th, 2026, and subject to change without notice. Fees may reduce earnings. Rate may change after the account is opened.