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Make the most of your Just WIN! Cash Rewards Checking Account or Just WIN! Cash Back Rewards Checking Account earnings by pairing it with Just WIN! Rewards Savings.


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Interest Bearing
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No Monthly Service Charge
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No Minimum Balance Requirements

Just WIN! Rewards Savings

Just WIN! Rewards Savings is a free, variable tiered rate interest bearing savings account with no monthly minimum balance requirements that rewards account holders with interest when they meet the minimum qualifications associated with your linked Just Win! Cash Back Rewards checking account during each Monthly Qualification Cycle.


  • 0.15% APY (Annual Percentage Yield) on balances up to $50,000 when qualifications are met1
  • 0.15% – 0.15% APY on balances over $50,000 depending on balance in account1
  • 0.01% APY if qualifications aren’t met2
  • $50 minimum opening deposit3
  • No monthly service charge
  • No minimum balance to earn rewards
  • Free Basic Digital Banking
  • Electronic Statements provided at no additional charge4
  • FDIC insured

If you don’t qualify, don’t worry! You still get unlimited free checking and earn our base rate of .01% APY, and you can get the rewards back the very next monthly qualification cycle.

Ready to Open Your Account?

Give us a call today or stop by one of our branches.

Contact Us

Not Sure Which Account is Right for You?

Use our Compare Accounts tool to help you decide.


Do More With Your Account


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Start saving for Christmas today!

Christmas Club

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View your account anywhere with mobile banking

Digital Banking

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Looking for more ways to invest?

Certificate of Deposit


1This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the RATE CHART. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. When Just WIN! Cash Back Rewards qualifications are met, the interest rate on your account and the corresponding annual percentage yield (APY) are as described in the RATE SHEET.  Fees could reduce earnings on the account.

2When your Just WIN! Cash Back qualifications are not met, the interest rate on your account and the corresponding annual percentage yield (APY) are paid on all balances and are described in the RATE CHART.

3You must deposit $50.00 to open this account. A Just WIN! Rewards Savings account may only be opened when tied to a Just WIN! Cash Rewards or Just WIN! Cash Back Rewards Checking account.

4Acceptance of our Consent for Electronic Transactions, Records, and Signatures agreement, including a valid email address and the account holder’s enrollment in electronic delivery of statements, notices, and disclosures, is required to open and retain Just WIN! Reward Accounts with us. Should an email become undeliverable, or you do not access your Digital Banking account pursuant to the Qualification requirements for 3 or more Qualification Cycles, Murphy-Wall State Bank and Trust Company reserves the right to convert your JUST WIN! Reward Checking account and place you in our Just WIN! Checking Account that does not hold qualifier requirements and may include monthly Service Charges. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.