It is No Myth! 3.01% Annual Percentage Yield* Ultimate Checking does exist at Phelps County Bank. This account not only offers 3.01% Annual Percentage Yield* from the very first dollar up to $25,000 but refunds any foreign ATM fee, FREE custom ATM/Debit card displaying the Rolla Bulldog, St. James Tiger, and the Missouri University of Science and Technology, unlimited check writing, a FREE gift, up to $10.00 for your unused checks, and only $50.00 to open. Remaining balances above $25,000 will earn 1.00% APY.

*To qualify for Ultimate Interest and refunds of all ATM fees, you just need to meet a few simple requirements each monthly statement cycle: (1) Use your Debit card 10 times or more at point-of-sale transactions (2) Have a Direct deposit or ACH (3) Receive your statements electronically. Individuals that do not meet the monthly statement cycle requirements will receive .10% Annual Percentage Yield on the entire balance.