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3.55% APY* + 2% cash back, automatically sent to the goal you choose.
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How it Works See it in Action Apply FAQs
Earn 3.55% APY* on checking and savings account balances, plus 2% cash back on all eligible debit card activities**. This is called Quest Cash.
Pay down a car loan, student loan, or contribute to retirement.
Each month, your Quest Cash is applied to your goal, no extra contributions required.
Everything that makes Quest run automatically is included, including transfers and processing. It is funded from earned rewards, so your account balances stay yours and you never pay an out of pocket fee.
Everyone’s goals look different. Regardless, Quest works the same way. See how your Quest Cash can change your life.
Simulator tool is for illustrative purposes only. It is not a guarantee of future outcomes. Actual results may vary. Please consult a qualified professional for advice tailored to your individual circumstances.
Quest is not a bank; it is a pilot offering of a banking experience brought to you by First Federal Lakewood.
Quest combines interest earned on checking and savings account balances and cash back from eligible debit card activity**, then automatically applies that money, called Quest Cash, toward a financial goal you choose.
No. Quest is designed to work with your existing habits, not fight them.
No. Quest does not offer investment products, provide investment advice, or guarantee outcomes. You decide where your Quest Cash goes.
There is a monthly service fee, but you never pay it out of pocket. It comes from the rewards you earn, not from your deposited funds. 85% of your rewards go to your goal account, 15% is paid as a fee for processing and transfers. Other fees and restrictions may apply to your FFL accounts that are included in the pilot. Refer to FFL fee schedule for details.
Instead of charging a flat monthly subscription fee, like many credit cards and bank accounts, we share a portion of the value created through your banking activity in the form of a service fee. You ALWAYS earn significantly more, and this fee allows us to maintain and improve the platform.
This pilot is designed for First Federal Lakewood customers who use a checking and savings account, spend using their debit card, and want a way to generate passive income simply by banking.
Commit to trying Quest until December 31, 2026 and answer a few short questions about your experience along the way.
Your deposits are insured through First Federal Lakewood, member FDIC.
*Annual Percentage Yield (APY) is subject to change and is accurate as of 2/11/2026. Other fees and restrictions may apply, refer to FFL Fee Schedule for details. Fees could reduce earnings. Pilot participation is limited. Applications will be reviewed after the application period closes. Quest is a service provided by FFL and deposits are FDIC insured up to applicable limits. No investment advice is provided. Results are not guaranteed. View Eligibility Requirements and Debit Card Reward Program Disclosure.
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