Reward Checking Rates as High as 6.00%

Reward checking accounts are online checking accounts which pay a high-yield for customers who meet monthly banking requirements. The accounts are now available from banks in all 50 states. Each individual bank has their own tiered-rate schedule and unique monthly requirements. Some of the banks offering reward checking accounts today include:

Crossroads Bank
Illinois
6.10% APY on balances up to $30,000
Requirements: 20 VISA debit card transactions excluding ATM transactions, receive electronic statements

TriStone Community Bank
North Carolina
6.05% APY on balances up to $25,000
Requirements: 12 VISA debit card transactions excluding ATM transactions, receive electronic statements, at least one direct deposit or ACH auto debit

Orange Savings Bank
Texas
6.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, access online banking at least once, sign-up for direct deposit or receive a recurring ACH

The First National Bank of Dieterich
Illinois
6.01% APY on balances
up to $25,000
10 debit card transactions, electronic statements, access online banking at least once

Rocky Mountain Bank
Montana
6.01% APY on balances up to $25,000
Requirements:
electronic statements, use your free debit card, at least one direct deposit or automatic payment

Page Valley Bank
Virginia
6.01% APY up to $25,000
Requirements: 10 VISA check card transactions, electronic statements, access online banking at least once, at least one direct deposit or direct debit

Tri-County Bank and Trust
Iowa
6.01% APY up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

First Banking Center
Wisconsin
6.01% APY up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit

First Clover Leaf Bank
Illinois
6.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit, 3 online bill payments

Charter Bank
New Mexico
6.01% APY on balances up to $25,000
Requirements: 10+ check card transactions, electronic statements, at least one direct deposit, access online activity at least once

The First National Bank of Wynne
Arkansas
6.01% APY on balances up to $25,000
Requirements: 10 VISA check card transactions, electronic statements, one direct deposit or ACH auto debit

Summit Bank
Colorado
6.01% APY on balances up to $20,000
Requirements: 12 signature-based debit card transactions, electronic statements, one direct deposit or ACH auto debit

Kansas State Bank
Kansas
6.01% APY on balances up to $25,000
Requirements: 10 check card transactions, electronic statements, one direct deposit or ACH auto debit, access online activity at least once

Arizona Bank and Trust
Arizona
6.01% APY on balances up to $20,000
Requirements: 12 debit card transactions, electronic statements, make and automatic payment or direct deposit

1st National Bank Henning
Minnesota
6.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, access online activity at least once

Coulee Bank
Wisconsin
6.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit

Focus Bank
Missouri and Arkansas
6.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, access online banking

West Bend Savings Bank
Wisconsin
6.01% APY on balances up to $50,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit

Citizens Bank Minnesota
Minnesota
6.01% APY on balances up to $25,000
Requirements: 10 check card transactions, receive electronic statements, at least one direct deposit or one automatic payment

Southern Community Bank and Trust
North Carolina
6.00% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least direct deposit or automatic draft

Marlborough Co-Operative Bank
Maine, Massachusetts
5.51% APY on balances up to $25,000
Requirements: 12 signature-based debit card transactions, at least one direct deposit or ACH auto debit

Bank of Blue Valley
Kansas
5.51% APY on balancesup to $25,000
Requirements: 12 signature-based debit card transactions, at least one direct deposit or ACH auto debit

NewPortFed
Rhode Island
5.51% APY on balances up to $50,000
Requirements: 10 check card transactions, electronic statements, access online banking at least once, at least one for direct deposit or ACH

RCSBank
Missouri
5.37% APY on balances up to $25,000
Requirements: 8 check card transactions, one direct deposit or auto ACH debit, electronic statements

New Frontier Bank
Colorado
5.26% APY on balances up to $50,000
Requirements: 12 debit card transactions, electronic statements, at least one direct deposit or automatic payment, access online banking at least once

Cumberland County Bank
Tennessee
5.26% APY on balances up to $25,000
Requirements: 10 check card transactions, electronic statements, at least one direct deposit or auto ACH debit

Bank of Putnam County
Tennessee
5.26% APY up to $50,000
Requirements: 10 check card transactions, electronic statements, at least one direct deposit or auto ACH debit

All America Bank
Oklahoma
5.25% APY on balances up to $25,000
Requirements: 10+ check card transactions, electronic statements

MidwestOne Bank
Iowa
5.25% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

Community First National Bank
Missouri, Arkansas
5.10% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

Heartland Community Bank
Arkansas
5.06% APY on balances up to $30,000
Requirements: 10 check card transactions, electronic statements, at least one direct deposit or auto ACH debit, access online banking once

BankNewport
Rhode Island
5.05% APY on balances up to $100,000
Requirements: 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

Heritage Bank
New Jersey
5.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit, access online banking

Noble Bank and Trust
Alabama
5.01% APY on balances up to $25,000
Requirements: 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

Peoples Bank
Tennessee
5.01% APY on balances up to $50,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit

Opportunity Bank
Texas
5.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto-debit, log-in at least once

Bank of Little Rock
Arkansas
5.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit

Monroe Bank and Trust
Michigan
5.01% APY on balances up to $25,000
Requirements: 15 debit card transactions, electronic statements, receive e-mail reminders, at least one direct deposit of a payroll check or retirement check

Capital Bank
North Carolina
5.01% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto-debit

State Bank of Texas
Texas
5.01% APY on balances up to $100,000
Requirements: 15 check card transactions, electronic statements, at least one ACH or direct deposit , at least one online bill payment

Legacy Bank
Oklahoma
5.00% APY on balances up to $50,000
Requirements: 12 check card transactions, $100 opening deposit, electronic statements, sign up for direct deposit

Community West Bank
California
5.00% APY on balances up to $25,000
Requirements: 10 check card transactions, electronic statements, at least one direct deposit or auto ACH, log-in at least once

Home State Bank
Colorado
4.56% APY on balances up to $25,000
Requirements:10 debit card transactions, electronic statements, at least one direct deposit

Rollstone Bank and Trust
Massachusetts
4.51% APY on balances up to $100,000
Requirements: 10 debit card transactions, receive electronic statements, direct deposit either payroll, pension, or social security payments

Haverhill Bank
Massachusetts
4.50% APY on balances up to $50,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit

Bank of Fayetteville
Arkansas
4.51% APY on balances up to $50,000
Requirements: 10 VISA check card transactions, electronic statements, at least one direct deposit or ACH payment, sign on to online banking

Bank of Hiawassee, Bank of Blairsville, Bank of Blue Ridge
Open to all states
4.51% APY on balances up to $99,999
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit, at least one online bill payment

Clinton Savings Bank
Arkansas
4.51% APY on balances up to $50,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

Sutton Bank
Ohio
4.51% APY on balances up to $25,000
Requirements: 11 check card transactions, at least one direct deposit or ACH auto-debit, electronic statements

Community West Bank
California
4.50% APY on balances up to $25,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit

Butler Bank
Massachusetts
4.50% APY on balances up to $50,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit

M&F Bank
Mississippi, Alabama, Florida, Tennessee
4.50% APY on balances up to $25,000
Requirements: 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit, log-in to online banking at least once

First Arkansas Bank & Trust
Arkansas
4.44% APY on balances up to $50,000
Requirements: 10 debit card transactions, electronic statements, at least one direct deposit, auto ACH debit, or online bill payment, at least one log-in to online banking

Southbridge Savings Bank
Massachusetts
4.25% APY up to $50,000
Requirements: 10 debit card POS transactions, electronic statements, at least one direct deposit or ACH auto debit

North Middlesex Savings Bank
Massachusetts
4.08% APY on balances up to $50,000
Requirements: 12 debit card transactions, electronic statements, at least one direct deposit

Bank of Idaho
Idaho
4.01% APY on balances up to $25,000
10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit, Idaho residents only

State Bank of Toledo
Ohio
4.01% APY on balances up to $70,000
10 debit card transactions, electronic statements, at least one direct deposit

Wilson Bank and Trust
Tennessee
4.00% APY on balances up to $50,000
10 check card transactions, electronic statements, at least one direct deposit or ACH auto debit

First National Bank
Nebraska
4.00% APY on balances up to $25,000
15 VISA check card transactions, electronic statements, ACH or direct deposit

View a state-by-state breakdown of Reward Checking Accounts