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High Tide Checking

Do you use your debit or credit card when you shop? Do you have loan balances with us? If you answered yes, then you will love our High Tide Checking Account. Earn a high rate of return on your balance while getting lots of perks and the anytime access you demand in a daily checking account.

Ride the Tide to More Cash Back!

It is easy to earn rewards with our new High Tide Checking Account.  

Tier 3 Would Pay 4% APY* and 2% Cash Back

  • 15 or more Signature Based Debit or Credit Card transactions
  • Must have aggregate loan balance > $50,000**
  • Online or mobile banking and eStatements
  • Max dividend, cash back (cap $20 monthly) rewards and ATM refunds up to $1200 annually; $100 monthly

Tier 2 Would Pay 2% APY* and 1% Cash Back

  • 15 or more Signature Based Debit or Credit Card transactions
  • $5,000 or more in Aggregate Loan balances
  • Online or mobile banking and eStatements
  • Max dividend, cash back (cap $15 monthly) rewards and ATM refunds up to $480 annually; $40 monthly

Tier 1 Would Pay 1% APY* and 1% Cash Back

  • 10 or more Signature based Debit or Credit Card transactions
  • Online or mobile banking and eStatements
  • Max dividends, cash back (cap $15 monthly) and ATM refunds up to $180 annually, $15 monthly

Other Benefits

  • Refunds on ATM fees (Included in monthly rewards)
  • No monthly service fee 
  • No minimum balance requirements
  • Online banking
  • Mobile Banking
  • Mobile deposit
  • Free Billpay
  • Zelle®
  • eStatements
  • Overdraft Protection available
  • Visa® debit card available
  • Free first box of checks (certain styles only)
  • 24x7 Express Teller Machines (teller transactions are available 24x7, and live teller assistance is available during regular business hours.)

Reorder Checks

When you open your checking account, a set of temporary checks and your first full check order is on us. Reordering is just a click away. If you run out before your next order, we can supply emergency checks at any branch to tide you over.

Special Pricing and Ease Of Ordering

Reorder checks 24/7 by clicking here; or, if you prefer, you can order while in your account in Online Banking or by calling our Member Service Center at (302)-629-0100 during regular business hours. Group discounts apply to all check orders.

Disclosure: In Branch transactions must be done at our ETMs to qualify for High Tide Checking. *APY = Annual Percentage Yield.

Tier 1 requires at least 10 signature based debit or credit card transactions during the month. 1% APY is on balances up to 10K. Maximum monthly amount, including ATM refunds is $15. Tier 1 Cash Back cap $15 monthly.

Tier 2 requires at least 15 signature based debit or credit card transactions during the month, plus $5,000 or more in loan balances. 2.% APY is on balances up to 20K. Maximum monthly amount, including ATM refunds is $40. Tier 2 Cash Back cap $15 monthly.

Tier 3 at least 15 signature based debit or credit card transactions during the month, plus $50,000 or more in loan balances. **In order to be included in the aggregate loan balance mortgage loans must be an ARM held with Tidemark.  Refinances that are sold do not qualify. 4% APY is on balances up to 25K. Maximum monthly amount, including ATM refunds is $100. Tier 3 Cash Back cap $20 monthly.

High Tide tiered dividends and cash back will be calculated based on your monthly activity and current month loan< balances. Pin based debit card transactions are not included towards your debit card usage for the month.