Personal Checking

PowerUp Checking

Forget the fees. PowerUp pays YOU! PowerUpChecking_Logos It’s an innovative checking account that turns your debit card purchases and a few clicks of your mouse into an unexpected interest rate! It looks like a checking account, but pays like a CD!

Here’s How It Works:

  • NO Minimum Balance Requirement
  • NO Monthly Service Fees
  • FREE Online Banking
  • FREE Bill-Pay
  • FREE Unlimited Check Writing
  • NO YTB Charge on any foreign ATM withdrawals
  • Member of the MoneyPass® surcharge-free ATM network
  • Requires at Least 15 posted Debit or Credit Point of Sale (POS) purchases using your York Traditions Bank Debit Card per Statement Period
  • Requires at Least One ACH Credit or Debit (Direct Deposit or Automatic Payment) from your account per Statement Period
  • Use of a Monthly E-Statement
  • New Qualifying Cycle Begins Each Statement Period
  • For Personal Accounts Only

Here’s the Current Rate as of May 23, 2017: 

PowerUp Checking

Balance Interest Rate APY*
Balances Up to $20,000.00 1.24 1.25
Balances Over $20,000.00 0.05 1.25 - 0.14
*Annual Percentage Yield (APY) is subject to change after account is opened. APY assumes the following transaction requirements per statement period: at least 15 debit card purchases and at least one direct deposit or automatic payment from your account, along with enrolling in e-statement. If these transaction requirements are not met, the APY will be 0.05% on all balances in the account for the statement period.
Minimum deposit required to open account is $100.


Basic Checking

Our Basic Checking account has no minimum balance requirement. A monthly service fee of $12.00 is avoided with at least one ACH Credit/Direct Deposit per statement cycle.  Transactions at ATMs within the MoneyPass® network are surcharge-free.


Checking with Interest

Our Checking with Interest account offers tiered competitive interest rates that begin with a balance of $0.01. This account has unlimited check writing, and with a $1,000 minimum balance, there’s no monthly service fee. If you’re not able to maintain the minimum balance, the monthly service fee is only $12 and you’re still earning interest on your balance. Point of Sale transactions with a York Traditions MasterCard MasterMoney™ Debit Card are free, and you won’t pay a YTB fee for any foreign ATM transactions. In addition, York Traditions Bank is part of the surcharge-free MoneyPass® ATM network. Free financial consultation upon request. In addition, you may qualify for the following:

Relationship Benefits
Minimum balance for Checking with Interest is waived, a monthly service fee of $12 is avoided, and a 50% discount on safe deposit box rental is given if your account is linked to one of the following:

  • Savings balance of $2,500 or more
  • Certificate of Deposit balance of $10,000 or more
  • Total Personal Loan balance of $15,000 or more
  • Any combination of the above, plus Money Market balances, for a total of $15,000 or more

Traditions Privileges
Checking With Interest account owners, age 50 and older qualify for free specialty checks and a 50% discount on safe deposit rentals.

Check our current rates