We have designed our checking accounts with rewards that best fit the needs of our members. When you set up qualifying monthly direct deposits, such as your paycheck, we can provide you with extra benefits such as a student loan rate discount (with Laurel Road Linked Checking) or monthly cash rewards (with Laurel Road Loyalty Checking). To take advantage of these benefits, we recommend setting up recurring direct deposits, like your paycheck, to help you earn all your eligible rewards. You can still open and use our checking account without setting up direct deposits and still enjoy all the convenience and benefits of your digital checking account.