The best checking accounts: Why finding one is critical

by | Money Rates Columnist

More so than any other type of bank account, checking accounts are built for action. These vehicles are designed for heavy use, with daily transactions frequently numbering in the dozens. Because of the nonstop relationship most consumers have with their checking accounts, choosing the right account is a key financial task.

At their worst, checking accounts come with high service fees, exorbitant overdraft charges and a minimum of special features. At their best, they come with no monthly fees, top-notch management tools and perhaps – if you’ve really sought out a special account – some level of rewards or interest.

(Article continues below table.)

 Account Type
 Zip Code

Type: Checking

Minimum to earn APY $10000


Rates as of 9/17/2014
FDIC Insured

Advertiser Comments

  • $200 Sign-Up Offer
  • 3x Higher Interest Rate
  • 76,000 in-Network ATMs

Type: Checking

Minimum to earn APY $1500


Rates as of 9/17/2014
FDIC Insured

Advertiser Comments

  • Convenience of a Checking Account with the Earnings of a Savings Account
  • Low Minimum Opening Deposit of $100
  • Free Online Banking and a National Network of 22,000 ATM's

Type: Checking

Minimum to earn APY $100


Rates as of 9/17/2014
FDIC Insured

Advertiser Comments

  • Flexible Online Checking. ATM Rebates. Online Bill Paying.
  • Free Checking & Low Service Fees.
  • Hassle Free Checking.

Full List of Banks

InstitutionAPYMin. Dep.Min. To
Earn APY
Capital One 360
Rates as of Sep. 10th
0.80%$0$100,000 360 Checking - Tier $100,000 and up - Online account
Capital One 360
Rates as of Sep. 10th
0.75%$0$50,000360 Checking - Tier $50,000 - $99,999 - Online account
Bank of Internet
Rates as of Sep. 10th
0.71%$500$1High Interest Checking - Bal under $5000 has $7.50 monthly fee
1st Constitution Bank
Rates as of Sep. 10th
0.65%$10,000$10,0001st Choice Checking - New accounts only - Balances of $9,999.99 and under earn .20% APY and will incur a $20 monthly maintenance fee. Fees may reduce earnings
Chesapeake Bank
Rates as of Sep. 10th
0.65%$25,000$25,000Clear Sky Checking - Tier $25,000 - $249,999
Rates as of Sep. 10th
0.61%$1,500$100,000Yield Pledge Checking Account - For first time checking customers - 1st year APY 1.01% - 0.62% and an ongoing APY currently at 0.61% - for account balances of $100,000 - $10,000,000
Ally Bank
Rates as of Sep. 12th
0.60%$0$15,000Rate is for balances of $15,000 or more - Apply online - Rate collected within: CA
Incredible Bank
Rates as of Sep. 10th
0.59%$1,000$0Incredible Checking - Balances $0-$249,999.99 earn 0.66% APY - online banking - electronic statements - mobile banking
Rates as of Sep. 10th
0.56%$1,500$50,000Yield Pledge Checking Account - For first time checking customers – 1.40% bonus rate for the first six months, 0.98% First Year APY and an ongoing APY currently at 0.56% - for account balances of $50,000 - $99,999
Century Bank Direct
Rates as of Sep. 10th
0.54%$100$0High Interest Checking Account Online Checking - apply online
Ultima Bank
Rates as of Sep. 10th
0.50%$0$100,000Ultima Checking - $100,000
Carthage Savings and Loan Association
Rates as of Sep. 10th
0.50%$25$2,500High Interest Checking - tiered interest rate - $2,500 - $25,000 - Limited to local New York market area.
Chesapeake Bank
Rates as of Sep. 10th
0.50%$1$10,000Clear Sky Checking - Tier $10,000 - $24,999
Rates as of Sep. 10th
0.46%$1,500$25,000Yield Pledge Checking Account - For first time checking customers - 1.40% bonus rate for the first six months - 1st year APY 0.93% - ongoing APY currently at 0.46% - for account balances of $25,000 - $49,999
Chesapeake Bank
Rates as of Sep. 10th
0.45%$1$1Clear Sky Checking - Tier $1 - $9,999
American Bank (ambk.com)
Rates as of Sep. 10th
0.40%$100$0American e-Checking - Tier $1,000 – $9,999.99
Mansfield Bank
Rates as of Sep. 10th
0.35%$5,000$5,000Bonus Checking
Alliance Bank (alliancebank.us)
Rates as of Sep. 10th
0.30%$2,500$12,000Super Now Checking Tier $12,000 and up - Located in Wisconsin
GCF Bank
Rates as of Sep. 10th
0.25%$50$100,000High Yield Checking $100,000 and above
Rates as of Sep. 10th
0.25%$1$1iGO Online Checking
Salem Five Direct
Rates as of Sep. 10th
0.25%$100$1eOne Checking - APY on balances of $0.01-$1,000,000. Online applicants only, who do not have existing deposit accounts with Salem Five - APY for balances up to $1,000,000
Community Bank (nevadacb.com)
Rates as of Sep. 10th
0.25%$500$500Interest Checking - Located in Iowa
South LaFourche Bank
Rates as of Sep. 10th
0.25%$2,500$2,500Super Now Account - Personal
First National Bank in Philip
Rates as of Sep. 10th
0.25%$1,500$0Now Checking - $3 maintenance fee and $.15 per check fee is waived if $1500 balance is maintained
Fifth Third Bank
Rates as of Sep. 10th
0.24%$50$1Fifth Third Preferred Checking - Tier $0.01 - $9,999 - Rate collected within: 60625 (IL)
Evergreen Bank Group
Rates as of Sep. 10th
0.20%$1,000$15,000Cornerstone Interest Checking - Direct deposit is required or a $10 monthly fee applies. Tier $15,000 and up.
Hudson City (Rate in CT)
Rates as of Sep. 10th
0.20%$10,000$25,000Money Market Checking - $25,000 and over - Available in NJ, NY and CT - Rate collected within: CT
Commonwealth Community Bank
Rates as of Sep. 10th
0.20%$1,000$0NOW Checking - $10 monthly fee if balance falls below $1,000 during cycle
Hudson City (Rate in NY)
Rates as of Sep. 10th
0.20%$10,000$25,000Money Market Checking - $25,000 and over - Available in NJ, NY and CT - Rate collected within: NY
Hudson City (Rate in NJ)
Rates as of Sep. 10th
0.20%$10,000$25,000Money Market Checking - $25,000 and over - Available in NJ, NY and CT - Rate collected within: NJ
Capital One 360
Rates as of Sep. 10th
0.20%$0$0360 Checking - Tier $0 - $49,999 - Online account
Alliance Bank (alliancebank.us)
Rates as of Sep. 10th
0.17%$2,500$2,500Super Now Checking Tier $2,500 - $11,999 - Located in Wisconsin
Hopkins Federal Savings Bank
Rates as of Sep. 10th
0.15%$0$1,000VIP Checking - New accounts available for Maryland residents only - must open in person
NorthSide Bank
Rates as of Sep. 10th
0.15%$100$0Star Plus Checking - $10 monthly fee waived with $750 average daily balance
Bellevue State Bank
Rates as of Sep. 10th
0.15%$1,000$1,000NOW Checking - $5 monthly fee waived with $1,000 average daily balance
Warsaw Federal Savings and Loan
Rates as of Sep. 10th
0.15%$50$1,000Premium NOW Checking
First State Bank of Forrest
Rates as of Sep. 10th
0.15%$500$500NOW Checking
Presidential Bank
Rates as of Sep. 10th
0.12%$1,500$1,000Checking PLUS - APY on balances up to $25,000 - Nationwide - Open online or mail-in
The First Bank and Trust Company of Murphysboro
Rates as of Sep. 10th
0.11%$1,500$0NOW Checking - $7 monthly fee is waived with $1,500 minimum daily balance
Quantum National Bank
Rates as of Sep. 10th
0.10%$100$10,000Community Checking - Limited to Georgia customers only
Genesee Regional Bank
Rates as of Sep. 10th
0.10%$25$1,000NOW Account - Limited to New York market area
Carthage Savings and Loan Association
Rates as of Sep. 10th
0.10%$25$25,001High Interest Checking - tiered interest rate - Balances above $25,001 - Limited to local New York market area.
Hudson City (Rate in CT)
Rates as of Sep. 10th
0.10%$10,000$10Money Market Checking - $10 - $24,999 - Available in NJ, NY and CT - Rate collected within: CT
Ally Bank
Rates as of Sep. 12th
0.10%$0$0Rate is for balances less than $15,000 - Apply online - Rate collected within: CA
Citizens Savings Bank
Rates as of Sep. 10th
0.10%$1,000$2,500Super Now Checking Account Tier $2,500 and over - Located in Pennsylvania
West Milton State Bank
Rates as of Sep. 10th
0.10%$0$1,000Eagle Advantage - Tier $1,000.00 - $24,999.99
UnionState Bank
Rates as of Sep. 10th
0.10%$50$1,000Checking with Interest - Alabama and Florida market area only - open in branch
First National Bank of McConnelsville
Rates as of Sep. 10th
0.10%$50$2,500SuperNow Checking Tier $2,500 - $14,999
Viking Savings Bank
Rates as of Sep. 10th
0.10%$100$250Interest Bearing Checking
The First Central National Bank
Rates as of Sep. 10th
0.10%$1,000$1,000NOW Checking Account
Lytle State Bank
Rates as of Sep. 10th
0.10%$100$500NOW Account
Cornhusker Bank
Rates as of Sep. 10th
0.10%$100$2,500E-Checking Tier $2,500 - $14,999
Monument Bank
Rates as of Sep. 10th
0.10%$0$10,000Golden Checking Tier $10,000 - $24,999
Poplar Grove State Bank
Rates as of Sep. 10th
0.10%$500$500NOW Checking - $2 monthly fee and $0.15 per debit fee is waived with $2,000 average daily balance
Community Bank of Trenton
Rates as of Sep. 10th
0.10%$500$500NOW Checking Account - $7 monthly fee waived with $500 minimum daily balance
Fort Jennings State Bank
Rates as of Sep. 10th
0.10%$2,500$2,500Super NOW Checking
Green Bank
Rates as of Sep. 10th
0.10%$100$25,000Green Choice Checking - APY for balances $25,000 to $99,999.99 - Rate collected within: Austin, TX
Hudson City (Rate in NY)
Rates as of Sep. 10th
0.10%$10,000$10Money Market Checking - $10 - $24,999 - Available in NJ, NY and CT - Rate collected within: NY
Hudson City (Rate in NJ)
Rates as of Sep. 10th
0.10%$10,000$10Money Market Checking - $10 - $24,999 - Available in NJ, NY and CT - Rate collected within: NJ
Rhinebeck Savings Bank
Rates as of Sep. 10th
0.08%$1,000$0Priorty Elite Relationship Checking - Tiered interest rates, APY $50,000- $99,999.99
Tompkins Trust Company
Rates as of Sep. 10th
0.05%$2,500$50,000True Advantage Checking Plus - Tiered interest rate, APY for balances of $50,000 or above - limited to local New York market area
River Valley Financial Bank
Rates as of Sep. 10th
0.05%$100$0Preference Checking Account, $7 service fee, 6 Free Visa Gift Cards per year
Northwest Savings Bank
Rates as of Sep. 10th
0.05%$1,000$1,000Interest Checking - Rate collected within: 16365 (PA)
Citizens Federal Savings and Loan Association
Rates as of Sep. 10th
0.05%$20$20Now Checking - Open in branch - Ohio
Villa Grove State Bank
Rates as of Sep. 10th
0.05%$1,000$1,000NOW Checking - $5 monthly fee if average balance is between $0-$499 - $4 monthly fee if average balance is between $500 - $999 - No monthly fee with $1,000 average balance
The Adirondack Trust Company
Rates as of Sep. 10th
0.05%$500$500NOW Account
Pioneer Bank
Rates as of Sep. 10th
0.05%$5$500Startline Plus Account - Limited to New York market area
Solvay Bank
Rates as of Sep. 10th
0.05%$15$1NOW Account checking
Rates as of Sep. 10th
0.05%$0$1Citigold Interest Checking - Tiered interest rate, must apply online or by phone - $25 monthly fee waived for first two cycles, and thereafter with $100,000 or more combined average balance across your eligible linked Citibank accounts, or $250,000 or more if your first Citibank mortgage is included - Rate collected within: NY
Chemung Canal Trust Company
Rates as of Sep. 10th
0.05%$1,000$1,000NOW Account - $5 monthly fee if average balance is below $1,000 - limited to local New York market area
First National Bank of Groton
Rates as of Sep. 10th
0.05%$500$500NOW Accounts - Limited to local New York market area
E*Trade Bank
Rates as of Sep. 10th
0.05%$100$5,000Max-Rate Checking Account - for balances between $5,000 - $50,000
Bank of Botetourt
Rates as of Sep. 10th
Windsor Federal Savings and Loan Association
Rates as of Sep. 10th
0.05%$25$500Interest Plus Checking Tier $500 - $2,499
Greenville National Bank
Rates as of Sep. 10th
0.05%$750$750Investment Checking
Cornhusker Bank
Rates as of Sep. 10th
0.05%$100$0E-Checking Tier $0 - $2,499
Citizens State Bank Norwood Young America
Rates as of Sep. 10th
0.05%$100$3,000Investment Checking - Tier $3,000 and up
American State Bank and Trust Company
Rates as of Sep. 10th
0.05%$1,500$1,500Presidential Checking Tier $1,500 - $24,999 - $10 monthly fee waived with $1,500 minimum balance
First Shore Federal
Rates as of Sep. 10th
0.05%$100$1,000NOW Checking Account - $5 monthly fee is waived if $1,000 balance is maintained in this or another deposit account, or with a loan balance over $10,000
Simsbury Bank
Rates as of Sep. 10th
0.05%$100$1Earning Advantage- $500 minimum balance or a combined balance of $2,500 in this and Savings or CD account to waive $8 service charge
Central Bank Illinois
Rates as of Sep. 10th
0.05%$100$1,000Value Plus Checking Tier $1,000 - $4,999-Rates collected in Princeton region
Alliance Bank (alliancebank.us)
Rates as of Sep. 10th
0.05%$500$1NOW Checking Account - Located in Wisconsin
Wells River Savings
Rates as of Sep. 10th
0.05%$500$0NOW Checking Account Tier up to $2,499
Farmers and Merchants State Bank
Rates as of Sep. 10th
0.05%$100$0Now Account - all balances
Lee County Bank and Trust, NA
Rates as of Sep. 10th
0.05%$100$0Regular NOW Account - $1,300 required average daily collected balance or $5 monthly fee and $.15 per debit transaction fee
First State Bank of Wyoming
Rates as of Sep. 10th
0.05%$0$500Advantage Plus Checking - $10 monthly fee and $.25 per debit charge if average balance falls below $500
United Valley Bank
Rates as of Sep. 10th
0.05%$1,000$1,000Valley Preferred Checking - $10 monthly fee if daily balance falls below $1,000
Main Bank
Rates as of Sep. 10th
0.05%$1,000$1,000Now Personal Checking
Peoples National Bank (pnbon.com)
Rates as of Sep. 10th
0.05%$100$0Interest Checking Tier $0 - $9,999 - Located in Florida
Superior Savings Bank
Rates as of Sep. 10th
0.05%$100$10Wisconsin market area only
Farmers and Merchants National Bank
Rates as of Sep. 10th
0.05%$1,000$1,000Super Now Checking - $12 monthly fee waived with $1,000 minimum daily balance
Commercial Bank
Rates as of Sep. 10th
0.05%$1,000$0NOW Checking Tier $.01 - $499,999
The Cecilian Bank
Rates as of Sep. 10th
0.05%$1,000$1,000NOW checking account - Limited to local Kentucky market area
Astoria Federal Savings Bank
Rates as of Sep. 10th
0.05%$100$0Simple Plus Checking - Apply at a branch - New York
Chemical Bank
Rates as of Sep. 10th
0.05%$0$0Advantage Checking - Less than $10,000
Peoples Security Bank and Trust
Rates as of Sep. 10th
0.05%$1,000$1,000NOW Checking Account - Limited to New York market area
National Penn Bank
Rates as of Sep. 10th
0.04%$1,000$500Signature Relationship Checking - on balances $1,000- $9,999
Community Bank, NA
Rates as of Sep. 10th
0.03%$50$2,500Wall Street Checking - Limited to New York and Pennsylvania market area
First National Bank
Rates as of Sep. 10th
0.03%$500$500Now Checking Account Tier 1 $500 - $99,999 - Located in Oklahoma
Haskell National Bank
Rates as of Sep. 10th
0.03%$1,000$1,000NOW Checking - $10 monthly fee is waived with $1,000 minimum daily balance
The Halstead Bank
Rates as of Sep. 10th
0.03%$1,000$0Super NOW Account - Monthly fee waived with $1,000 minimum daily balance
The Baldwin State Bank
Rates as of Sep. 10th
0.03%$100$0NOW Checking - $6 monthly fee is waived with $1,000 minimum daily balance
Farmers State Bank (farmersebank.com)
Rates as of Aug. 27th
0.02%$25$1,000Super Now Checking - Located in Montana
Savers Bank
Rates as of Sep. 10th
0.02%$10$10,000Simply Better Checking - $10,000 - $49,999, no monthly fees or minimum balance, free mobile and online banking, free bill pay
Wakefield Co-operative Bank
Rates as of Sep. 10th
0.02%$0$0NOW Checking - no minimum balance to earn stated APY
First Bank Des Moines
Rates as of Sep. 10th
0.02%$100$0First Preference Checking Tier $0.01 - $2,499.99
Chase (Rate in NY)
Rates as of Sep. 10th
0.01%$25$0Chase Premier Plus Checking Tier $0 - $4,999 - $25 monthly fee waived with combined average daily balance of $15,000 in linked deposit and investment accounts - Rate collected within: 10025 (NY)
First Midwest Bank
Rates as of Sep. 10th
0.01%$100$0Midwest Checking - APY for balances up to $9,999
Commercial Bank and Trust of Pennsylvania
Rates as of Sep. 10th
0.01%$2,500$2,500Checking with Interest Plus - $10 monthly service charge if balance falls below $2,500
Lafayette Savings Bank
Rates as of Sep. 10th
0.01%$100$2,500Distinct Checking Tier $2,500 - $9,999
Branch Banking and Trust
Rates as of Sep. 10th
0.01%$100$0Elite Gold Checking - APY for all balances - Online only - $25 monthly fee waived with certain requirements - See website for details - Online account opening available in AL, DC, FL, GA, IN, KY, MD, NC, SC, TN, TX, VA - Rate collected within: AL
HSBC Advance
Rates as of Sep. 10th
0.01%$1$5HSBC Premier Checking - Open online only
Rates as of Sep. 10th
0.01%$1$5HSBC Premier Checking - Stated rate is for accounts opened by phone
HSBC Advance
Rates as of Sep. 10th
0.01%$1$5HSBC Advance Checking - Open online only
Rates as of Sep. 10th
0.01%$1$5HSBC Advance Checking - Stated rate is for accounts opened by phone
Citizens Bank (Rate in NY)
Rates as of Sep. 10th
0.01%$250$1Personal Checking with Interest - $11.99 monthly fee waived with $2,500 average daily balance - Rate collected within: 10025 (NY)

Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.

To find the best checking account for your needs, it’s critical to consider what features you need and to weigh your prospective checking accounts accordingly. The table above features a variety of checking accounts, both from traditional branch-based banks and online institutions. But before you apply for one, it’s important to understand the ways checking accounts vary.

Things to know before opening a checking account 

Which details should command your attention as you shop for a new checking account? Here are some questions that you should never fail to ask before opening a new account:

  • Is there a monthly fee? There was a time when “free” checking – in other words, an account that comes with no monthly service fee – was the industry standard. But as banks hit challenging times in the wake of the Great Recession, free checking suddenly become much rarer. But the good news is that these accounts still exist at many banks.
  • If there is a monthly fee, can it be avoided? While it’s never encouraging to find that a bank imposes a monthly fee on their checking account, it’s common for banks to waive this charge in exchange for some actions on your part. Sometimes, doing something as small as signing up for direct deposit can waive the fee. Other times though, you may have to maintain a considerable minimum balance throughout the month. Whatever the case, it’s important to check before you write an account off completely.
  • What other fees are possible? If, for better or worse, overdraft or ATM fees are part of your banking life, you should take a close look at what these will cost at your prospective bank. The same goes for any other potential charges.
  • Is the bank convenient? If you favor branch visits, finding a bank with a nearby location is probably essential. If you’ve moved into the world of online banking, you may do best with a bank that has a comprehensive online presence and an ATM network that suits your travels.
  • Does the bank offer the technology you need? Speaking of online banking, it’s not easy to switch to a bank with limited Internet resources if you’ve grown accustomed to an institution with a well-designed and feature-packed website or mobile app. If you’ve not tried online or mobile banking but are eager to test it out, you may also wish to find a bank that offers an array of electronic features.
  • What perks come with the account? Nearly every account comes with some perks, so the key here is to find the right perks. Free checks may not be all that appealing if you write few checks each month, but ATM fee reimbursements just may – particularly if your career or vacations take you to unpredictable places and ATMs.
  • Will I earn interest? Yes, Virginia, some checking accounts do still pay interest – and some may even offer a higher yield than the savings accounts and money market accounts at your local bank. Online banks are a great place to find interest checking accounts today – their lack of a branch network enables many of these banks to cut costs and offer more interest than conventional banks – though you may also find interest checking accounts at brick-and-mortar banks.
  • Will my money be insured? While most reputable banks today are protected by Federal Deposit Insurance Corporation coverage (or, in the case of many credit unions, National Credit Union Administration coverage), it never hurts to double-check. Also, if the total amount of your deposits exceeds $250,000 – the per-depositor limit offered by FDIC and NCUA insurance – you may wish to consider splitting your funds between multiple insured institutions or structuring your accounts in a way that extends your coverage (a single account held jointly between a husband and wife, for example, may enjoy FDIC coverage up to $500,000).

A critical choice

There are certain items in life that, because of the number of times you will use them, should be purchased with care. As with buying an unreliable car or a bumpy mattress, choosing an ill-suited checking account can come back to haunt you quickly. 

Fortunately, there are numerous online resources today that can help you compare checking accounts at a glance. (The table above, for instance, contains the details for hundreds of checking accounts.) The days of having to slog from branch to branch in search of the best checking account are over, but that doesn’t mean you should skimp on your search to find the wisest option.      


Best Checking Accounts found by users like you

Have you been able to find even better Checking rates than the ones displayed above? If yes, please share them with us and other MoneyRates users! Please include the details: the name of the bank, APY, term of the Checking, when you opened the account, and whether the account can be opened online or only in the branch (if the latter, please include the location of the branch). Thank you!

Showing 157 comments | Add your comment

19 August 2014 at 3:37 pm

Keith, when you say you became a member of the BR ARC, how did you become a member? Is there at link? All I see is links to donate... thanks!

Josh Romine

14 August 2014 at 9:01 am

Peoples Bank in Central, LA and New Roads, LA are offering multiple Free checking accounts with rewards. I saw that they have a 3% cash back account on debit card transactions up to $300 and they have another account with 3% Interest on balances up to $15,000 and everything above 15k gets .25% APY. No balance requirements. Free foreign ATM fee refunds. and they have a savings account that goes with it that get .50% on balances up to 15k and .25% on everything more. They can set it up so that the rewards you earn in the checking account sweep into the savings. To qualify for the rewards: 15 debit card transactions. 1 ACH transaction. Use online banking. and be enrolled in e-statements. I got it recently and love it.

Jeff Elsea

25 February 2014 at 11:28 am

Can't believe Bank of Weston (bankofweston.com) isn't listed - 1.5% on free checking up to $15,000; $100 to open; no minimum bal; up to $25 foreign ATM fees refunded/month; free statement online - need to do 10 debit card swipes and do 1 ACH in or out/month to qualify. Open online.


9 January 2014 at 1:47 pm

Keith, Can you expand upon your Pelican comment, please? Did you have to call to set up the account or were you able to complete the application online? If it is the latter, do you select that you are employed by a Select company and then put the member organization instead? Also, ARC meaning American Red Cross or a different organization? THANK YOU!


8 July 2013 at 6:18 am

Pelican State requires one to be employed by a company in Baton Rouge - or to be a member of one of several local organizations. And they have the list. I joined ARC of Baton Rouge for a one-time $5 fee and now have two accounts getting 4%.


17 June 2013 at 9:13 am

lake city bank in Indiana is now only 1.01 % up to $25,000 T S bank dropped from $15,000 to $10,000

Casey Harms

4 June 2013 at 5:10 pm

FYI, Pelican State only offers memberships to employees of select employers.

Maria - MoneyRates Moderator

30 March 2013 at 9:28 pm

Thank you Julie we have updated our records for First Financial Bank (www.ffb1.com) to show the customer base is limited to the Arkansas and Mississippi market area. According to their website they offer a variety of services such as online banking, agriculture lending, a mortgage loan division and a professional service division. First Financial Bank is FDIC insured.


27 March 2013 at 1:44 pm

FYI, First Financial bank (www.ffb1.com) not accepting applicants "outside existing marketing areas", I live in Missouri.


22 March 2013 at 5:42 pm

Best to check to make sure the banks you use are fdic insured.


17 March 2013 at 9:14 am

First Clover Leaf is down to 2.53% APY


6 March 2013 at 5:50 am

here are 4 bank/credit union accounts that I opened the last week of Feb. 2013. they are all paying 3%. You can open them online with no residency requirements. First Financial bank, 12 DEBITS pin based. www.ffb1.com up to $15,000 TS Bank, 15 debits or credits, direct deposit or auto bill pay or pay a bill online. www.tsbank.com up to $15,000 Money One Credit Union, 10 debits or credits, one auto bill pay, $20 donation to Easter Seals, up to $10,000. www.moneyonefcu.org Lake Michigan Credit Union, 10 debits or credits, and a direct deposit of any amount. up to $15,000, do 4 logins to account. a donation to ALS of any amount www.lmcu.org


2 March 2013 at 6:32 am

It looks like Coopermark Bank in Texas and Oklahoma has dropped the rewards checking rate to 1.25%....


13 February 2013 at 5:50 pm

Thank you HotKarl, we updated our site with the states the rewards checking products are available in for Coulee Bank and Southeast National Bank. According to the Southeast National Bank website they are a community bank that has been offering banking services for over forty years. Coulee Bank offers a variety of financial products and will be celebrating it's fifty-second anniversary. Both banks are listed on the FDIC site as insured. Thanks again for contacting us!


12 February 2013 at 11:22 am

Coulee Bank (WI) only open to residents of Iowa, Minnesota, and Wisconsin.


12 February 2013 at 11:16 am

Southeast National Bank (IL) rewards checking is only open to residents of Illinois and Iowa


18 January 2013 at 7:30 pm

First Bank and Trust dropped to 1.01% for Easy Grow Checking. That's disgusting!!! I am so mad at them, I just may move all my money out. Still get 2.5% at NEFCU thank god.

john parker

2 January 2013 at 4:39 pm

it says "incredible interest" 0.88% ??-- it is incredible who the hell would put money in to earn less than 1cent per $100 ? Mad Mad Mad

kevin s

19 December 2012 at 7:24 am

What are the best deals for out of state with no direct deposit.

Daniel Shark

7 November 2012 at 8:02 pm

Southbridge Savings dropped its rate to 2.5%

Daniel S

12 September 2012 at 5:56 am

Beacon Federal dropped it's limit to $5000.

Ann B

6 August 2012 at 8:36 pm

The Bank of Greene County (tbogc) pays 5% on the first $1000. Anything above that earns .08% (I might remember incorrectly.) Greene County is in NY State and has been considered to be one of the best banks in the US.


3 August 2012 at 9:51 am

First State Bank (first-state.net) Tennessee is open to Tennessee residents only.

Chris C

11 July 2012 at 5:18 am

Southbridge Savings Bank APY is now 3.00% up to 25k open to MA residents only

Chris C

11 July 2012 at 4:48 am

APY limit for Coulee bank is 15000

Jay Davies

1 July 2012 at 3:31 pm

First State Bank is only accepting applications from Tennessee residents.

Jay Davies

1 July 2012 at 12:18 pm

Florida Central Credit Union lowered its rate to 2.50% if loan qualifications are not met.

Jay Davies

1 July 2012 at 12:12 pm

Consumer Credit Union dropped its rate to 3.09% for deposits up to $5,000.00

Jay Davies

1 July 2012 at 12:02 pm

Liberty Bank lowered its APY limit from $25,000 to $10,000.

joannie g

14 June 2012 at 2:40 pm

INOVA just dropped their rate to 2.0% and now 15K. sorry for the update.

joannie g

9 June 2012 at 7:37 pm

their is a bank callled Independent Bank OF Texas in Irving ,Texas and Frisco, Texas. That is a different Independent Bank than the one Richard L is mentioning. I opened an account there and it pays 3.04% of 25K. I dont know why the two bank names are so similar but the one in Frisco and Irving and much higher interest. the bank is ibankoftexas.com.

Wiger Toods

7 June 2012 at 9:03 am

According to the Pelican State Credit Union's website, the APY limit is now $10,000

Wiger Toods

4 June 2012 at 6:23 pm

Consumers Credit Union just informed me they are changing their rates July 1st to 3.09% up to $5000.


3 June 2012 at 3:50 am

Bank Gloucester rates have lowered considerably. Currently @ 2.17. On 25K average over the course of 1 year I've lost through unearned income almost $100. I'm beginning to think Bankk Gloucester might have gotten in over its head.


2 June 2012 at 8:39 am

Check into Independent Bank's Rewards Checking. The bank is based in McKinney, TX with branches in and around the Dallas, Waco, and Austin areas. They pay 2.01% APR up to $25K on Free Rewards Checking accounts. Qualifications require only 8 Debit Card transaction, on ACH payment or Direct Deposit, as well as eStatements. Rewards Checking can be linked to a Savings account where your monthly interest rolls from your Checking to your Savings account (if you choose) I live in Texas, so I don't know if you must be a resident of Texas to apply for one of these accounts?

joannie g

15 May 2012 at 3:28 pm

INOVA Federal Credit Union pays 3.0% on 20K and you can enroll online from any state. You just need to donate $5 to their sponsored charity or join their credit union.

John Palmore

8 May 2012 at 5:59 am

Home Federal Bank Corp pays 4.00% on balances up to $20K not $25K also they require 15 signature based transactions.


3 May 2012 at 7:52 pm

Hi Joannie, We checked Beacon Federal's Website and you are correct Texas is not a part of their market area. Thanks for bringing that to our attention.


30 April 2012 at 12:25 pm

Trying to apply online to Lee County Bank and Trust takes you to the CheckingFinder site where it says this banks only accepts residents in the states of Iowa, Illinois, and Missouri.


25 April 2012 at 7:31 pm

Montgomery Bank requires you to come into a branch to complete your application.


24 April 2012 at 10:41 am

According to Heartland Community Bank's webpage, their rate is only good for amounts up to $15,000.99. And starting 05/01/12, Coulee Bank will be branded as Kasasa Cash and their rate will only be good for amounts up to $15,000.


19 April 2012 at 12:30 pm

Beacon Federal does not allow people from Texas to join and have the high checking account.


11 April 2012 at 10:08 am

Hi Ron, Thank you for the information regarding Bank of Gloucester. We have verified that currently all accounts must be opened in person and have updated the institution details for each account. Bank of Gloucester also confirmed accounts are not limited to local area or state residents and are hopeful to provide the ability to open accounts online soon.

Ron Lee

9 April 2012 at 12:54 pm

Bank of Gloucester was listed as Open to all states. But when I spoke to them they said you have to go in in person to open an account. So, unless you are willing to travel a considerable distance, the account is really not Open to all states.

Maria - MoneyRates Moderator

25 March 2012 at 6:27 pm

Hi Hugo, From your comment about rewards checking it is not clear what financial institution you are referring to. I am guessing you are commenting about Consumers Credit Union. We currently have the membership area listed as Illinois however we will have our researchers verify that the rewards checking product is in fact available nationwide. Thanks for the heads up!

Maria - MoneyRates Moderator

25 March 2012 at 5:38 pm

Hi Roger, To open a rewards checking account at Coppermark Bank one must reside in Oklahoma or Texas, which we list in the column labeled State. As far as opening the account in person, thanks so much for alerting us, we will make any necessary notations on our site.

Maria - MoneyRates Moderator

25 March 2012 at 5:13 pm

Hi Joannie G. The column labeled State indicates where a person must reside in order to open a rewards checking account for each financial institution listed. Based on comments that we have received, the intent of the State column may not be clear to visitors to our site, so I will see what we can do to remedy that. In the meantime we listed the residential requirements for CapEd in the notes section, I hope that helps. Thanks for letting us know!

Maria - MoneyRates Moderator

25 March 2012 at 4:54 pm

Hi Joan G,We have been tracking the rewards checking APY for Southern Bank on our site for quite some time and they are currently at 4.01% APY. The product is available to residents of Missouri and Arkansas only. Thanks!

Maria - MoneyRates Moderator

25 March 2012 at 4:48 pm

Hi Hank,Thanks for the tip on Capital Educators Credit Union which is Federally Insured by the NCUA. We have added their product to our rate list. Membership to CapEd is available to residents of Idaho only.

Roger Kahn

25 March 2012 at 9:57 am

Coppermark Bank requires you to live in Texas or Oklahoma AND to come in person to open the account.

hugo poppernuts

24 March 2012 at 10:07 am

Rewards checking here is 4.09% through June 30, 2012 up to $10,000 and anyone can join from anywhere. Note starting July 1, 2012, rate drops to 3.09% up to balance of $5000 so I'll be leaving by then.

Joan G

22 March 2012 at 12:13 pm

I've been using Southern Bank for several months and earning at least 4% (down from 5). Only Missouri

joannie g.

16 March 2012 at 11:50 am

please let interested customer know if they must live in the state that is making the offer. it appears you need to live in idado for the cap ed credit union offer. however, please continue to post, very helpful.

Hank Rennar

13 March 2012 at 1:10 pm

Amazingly I found Capital Educators Credit Union in Boise Idaho paying 3.10% on free checking accounts with no transaction fees, no minimal balances and they even refund ATM charges from other banks. They pay 3.10% on balances up to $15,000. You can't find that kind of return on money markets or CD's.

Gary Jacobsen

23 February 2012 at 1:14 pm

Cardinal Bank of northern Virginia now has checking accounts yielding 2.01% for the first $100,000 in deposits.


6 February 2012 at 9:20 am

I'll soon be spending about $35,000 with a contractor who only takes paper checks. Wondering if there's any rewards checking that offers paper checks instead of a debit card.


1 February 2012 at 9:34 am

VETERAN, you need re-educate on your math. Unless you are paying more than 100% tax, you are still gaining capital after paying the tax.


3 January 2012 at 1:39 pm

I've updated the "rewards checking" type accounts: Home Federal: must open in person; Coppermark Bank: Oklahoma or Texas residents only; First State Bank: Tennessee residents only; Fort Morgan State Bank: Colorado residents only; Ouachita Independent Bank Louisianana residents only; Washington Saving Bank: As of 1/2/2012, open to Massachusetts residents only; Heartland Community Bank: Arkansas residents only; Legacy Bank: open to all 50 states but must open in person, i.e., Oklahoma Consyners Credit Union is open to all 50 states; 4.09% up to 10.000.00. If anyone knows of any other high yield checking accounts for NY/ National (by internet), please post.


6 October 2011 at 3:06 am

Chris below is pretty stupid as all of these rates are higher than his paultry 3.2 rate. Considering where he's from it's understandable why he's pretty stupid though. lol


5 October 2011 at 9:21 am

The higher the interest rate, the more federal tax you pay! I am merely seeking to preserve capital, in a secure account.


2 October 2011 at 3:33 pm

Wow these rates are terrible. My bank gives 3.2% APY for rewards checking. American State Bank Sioux Center IA https://www.ambankiowa.com/#/25-34 but you need to be local.

Thena palnick

20 September 2011 at 6:40 pm

I am looking for a bank reward checking that accepts accounts no matter where one lives in the United states


14 September 2011 at 1:55 pm

Adams Bank and Trust has offices in Colorado and Nebraska, currently paying 2.50% APY.


1 September 2011 at 11:48 pm

I am looking for a high yield checking you can open on line that pays 4 percent or higher. I have 2 right now. Consumers federal credit union and Lake michgan federal credit union. I also had a Liberty Bank that paid 4.11 percent. However I received an email that said they are no longer honoring out of state customers and are closing all accounts of out of state customers. A lot of the high yield checking accounts are in the south and only open to that states residents. I would like to have another high yield checking


1 September 2011 at 8:28 am

LMCU is changing their rate: Rate change effective 10/1/11 to 3.0% APY.


1 September 2011 at 8:12 am

First State Bank (first-state.net) is only accepting applications from residents of Tennessee.


28 August 2011 at 6:05 pm

Pelican CU now requires 15 debit transactions of $300 or more before they pay 4% reward! Spend $300/mo or more to earn $60 interest for $20,000...

Laurie Swanfeldt

15 August 2011 at 3:23 am

Free checking with interest


1 August 2011 at 5:53 pm

University of Iowa Community Credit Union offers a Rewards Checking account that currently yields 4.25% APY up to $25,000. It is available for Eastern Iowa residents, as well as member's family members and University of Iowa Alumni's. You can open an account at one of their locations or online. I have had an account with them since July, 2005, and a Rewards Checking account since they were first offered, December 2007. The rate has never been below 4%.

Katie Snyder

1 August 2011 at 8:57 am

Lake Michigan Credit Union (Grand Rapids, MI) offers a MAX Checking Account that I use. Membership required, 4% APY, $15,000 max, 10 debit card or ACH transactions/mo, 4 online log-ins/mo, and direct deposit required. Can open in person or online. My husband and I have each had one of these accounts. We have fully funded them up to the maximum, and use them together as our emergency fund. We direct deposit $100/mo into each of them, and follow our "10 under 10" rule - we make 10 debit card transactions under $10 each month so that we don't exceed our $100 monthly deposit - this way we don't spend our emergency fund dollars yet continue to be eligible for the 4% APY. We love LMCU! www.lmcu.org Katie

Holley Hood

21 July 2011 at 9:52 am

I opened my account in June of 2010 and absolutely love it. BankTexas, NA is offering 3.25% apy on their myCash checking account. 3.25% apy applies to the first $10,000 in the account and any balance over $10,000.00 earns .14% apy. There are no maximum or minimum balance requirements. They ask for a minimum of a $50.00 deposit to open the account. To earn maximum interest rate and ATM fee refunds of up to $25 per monthly qualification cycle, the following qualifications should be met: (1) 10 debit card purchases must post and clear the account. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. (2) 1 direct deposit or 1 ACH auto debit most post and clear the account. Intra-bank transfers do not count as qualifying ACH transactions. Limit one account per holder. Bank may convert to Simplicity account if the account is not used as a primary checking account. (3) Enroll in e-Statements. There are no monthly service fees. Initial debit card, automated telephone service and online banking are available at no charge. If you do not meet one of the 3 qualifiers, there is no penalty, but your average daily collected balance will only earn .11% apy and will not get the ATM fee reversal.


18 July 2011 at 11:16 am

You should mention Avidia Banks e checking account a great rate 2.27% APY! No foreign ATM transaction fees ATM surcharge fees charged by other banks will be reimbursed to you, up to $10 per statement cycle No maintenance fees Interest will be paid on your collected balance (see eChecking rates below) Full credit and access to our Avidia Rewards program


17 July 2011 at 4:23 am

The Farmers Citizens Bank is currently only accepting applications from residents of Ohio.


14 July 2011 at 7:25 am

Take a look @ www.providentnj.com Smart checking account @ 2.50%

Dean Kruger

3 July 2011 at 10:08 am

Lapeer County Bank Best rate that I can find in this area. Minimum to open account is $25.00. Annual Percentage Yield (APY) accurate as of 7/1/2011. Rate tiers are as follows: 2.02% APY applies to balances of $0.01-$50,000.00 and 0.10% APY applies to balances above $50,000.00 if qualifications are met each monthly qualification cycle; 0.02% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post and clear to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements up to $25.00 provided only if qualifications are met within the monthly qualification cycle.


30 June 2011 at 5:28 pm

Farmers Citizens Bank In Ohio, It's Kasas Kash Checking Account is only Avalable to Ohio Residents.


29 June 2011 at 7:35 am

Seems like southern bank might be lying. how can they give such a good rate?


29 June 2011 at 5:14 am

Heritage Bank of the South offers a Performance Checking Account with higher interest rates than you are displaying: 2.5% with direct deposit and 12 debits each month with online banking; and the bonus- ATM fees are free nationwide. The rate is good for up to $15,000. See their website: https://www.eheritagebank.com/personal-checking.htm


25 June 2011 at 3:48 pm

Kasasa account at Farmers Citizens in Ohio is paying 3.01% checking, 1.76 for savings. Required 12 card transactions, direct deposit and/or bill pay. Best account I've found. $25,000 limit checking, unlimited savings.

Windell Crowder

16 June 2011 at 8:33 am

I am searching for a banking institution in the Baton Rouge area that will pay me at least 3% anually for useing my money.credit card rates are the same as loansharking but no one wants to pay out any intrest.I do NOT have and will NOT have a credit card!I have some money to invest in a FDIC insured account but will only consider a max of a 2 year investment.

Thrifty Checker

30 May 2011 at 9:52 pm

Fort Morgan State Bank offers 4.05% checking with interest on balances of up to $25,000. Applicants may open multiple accounts, and are required 12 card transactions per month to earn this rate. This is the best available to Colorado residents.


24 May 2011 at 12:02 pm

Southwest airlines federal credit union has a nice high interest checking account

Steve Payne

11 May 2011 at 6:22 am

Southern Bank (#1 on your list) now only pays the 5.01% on balances up to $15,000. $15,000 to4 25,000 pays only about 1%. This change was effective 5/1/11.


2 May 2011 at 12:20 pm

Wisconsin Community Bank (www.thewcb.com) offers 3.01% up to $20K.

Puddin Man

19 April 2011 at 11:16 am

Southern Bank now pays Reward rate 5.01% Annual Percentage Yield (APY) paid on balances between one penny and $15,000, and 1.01% APY paid on the portion of the balances above $15,000 each cycle the qualifications are met. http://www.bankwithsouthern.com/personal/checking/kasasa-cash.html


17 April 2011 at 2:07 pm

Union Square FCU (Wichita) is offering (4.51%, $25k) Premier Checking!


8 March 2011 at 3:17 pm

Royal Bank of Missouri. The only problem if you dispute one of the charges they will no longer want you to do banking with them aka will close your account and that what happened to me. Features: $100.00 minimum to open No minimum balance once opened No monthly service fee 2.75% Annual Percentage Yield (APY) earned on daily collected balances up to $24,999.99** Rate Accurate as November 23, 2010 (fees may reduce earnings) ATM access nationwide

Home Federal Bank

8 March 2011 at 6:58 am

Home Federal Bank offers one high yield checking account per family, currently paying 4.01% up to $25,000. Requires electronic statement, minimum of $100 per month direct deposit and 12 signature-based (don't use the PIN for debit card transactions) debit card transactions per month. Louisiana only? See homefederalbank.com for more information.


7 March 2011 at 8:03 am

Are there any banks in NC with interest-yielding checking accounts? Thanks!


23 February 2011 at 6:36 pm

Pelican is now 4.01% APY to 20K...not 30K

Rita Dolan

20 February 2011 at 2:18 pm

Pelican State CU now has a max deposit of only $20K for the 4.01% rate.

Frank Baker

10 February 2011 at 2:41 pm

National Bank of Arkansas offers a Rewards Checking Account. Pays 4.00 percent on checking account up to $15,000.00 . 12 debits or credit charges required per month. 1 auto deposit a month or 1 auto pay a bill a month. If you fullfil all the monthly requirments You will be paid interest of 1.5 % on a savings account with no maximum limit. E statements required, Located at 4004 McCain Blvd, Box 837, North Litttle Rock, AR, 72115. Phone #501- 771- 6205. Must be opened at branch. Call and inquire. Opened my acct, Feb, 2010. Bank is a FDIC member.


10 February 2011 at 10:41 am

Greater Nevada Credit Union offers 3% on checking up to $25K. Requires that you make at least 12 debit card transactions, have one direct deposit or automatic payment, receive online eStatements.


30 January 2011 at 6:41 am

Liberty Bank in offers 3% on checking up to $25,000. Just a couple months ago they had it at 4% for the last couple years. 10 debit card transactions a month and e-statements is their requirement.

Aaron R. Whitmore

28 January 2011 at 4:24 am

Bank of Ripley in Ripley, TN offers 3.51% on checking up to $25,000.00.


21 January 2011 at 6:29 am

Independent Bank in McKinney, TX offers 3.01% on Free checking account with balances up to $25k. They just reduced their rate in Jan 2011 from 4.01% which had remained unchanged for 2 years.


13 January 2011 at 5:39 am

Midwest Federal Credit Union paying well over 2% on checking up to balance of $25K


10 January 2011 at 7:29 am

Where in CA can I get a decent interest rate? It seems that other states offer 4-5% for amounts up to sometimes $50K. I do not want a CD but an account that I can get to when needed. Thanks.


5 January 2011 at 6:09 pm

Ing direct they pay 1.25% on a hundred thousand and is componded intrest

Betty D

18 December 2010 at 7:21 pm

Private Bank in Illinois offers a reward checking with a rate of 4.00% for up to $25,000.then.25% over with 15 debit purchases monthly ldirect deposit/ACH debit. The interest rate flutuates without notice

Derek F.

16 December 2010 at 10:39 pm

The Provident Bank in New Jersey offers a Smart Checking account that currently offers an interest rate of 2.51% with 10 signature-based transactions per month, 1 direct deposit/ACH debit per monthand online statements up to $25,000.


13 December 2010 at 2:42 pm

Westfield Bank of Ohio gives 3.50% interest on up to $25,000 with the usual debit requirements of 12 per month with one ACH debit or deposit. I've been using them for about 6 months and the interest rate has not dropped like so many other banks do once your signed up. I don't know why this web site doesn't list this bank.

auto shop

13 December 2010 at 10:55 am

Terrific work! This is the type of information that should be shared around the web. Shame on the search engines for not positioning this post higher!

laura horn

19 November 2010 at 6:07 pm

americanet bank online 3.75 up to 10.000 and 1 on over that and 1.75 on money market and all that is required in the checking is 10 debits monthly no auto deposits and has many other benifits thought i would share!!!!!


18 November 2010 at 9:02 am

The Grand Bank of Texas has a personal checking account with 3.41 APY, on up to $25000. You do have to open the account in the branch (located in Forth Worth). No monthly fees, but you much maintain a few criteria to get the higher rate.


4 November 2010 at 4:59 pm

Presidential Bank Checking Plus Account. This is a true full service unlimited checking account paying 1% for balances over $1,000 and under $25,000. (0.5% for balances over $25,000. Can be opened on-line or application printed and sent in to bank. Requires a minimum direct deposit of $200/month. Free ATM. Free Internet Banking. Excellent phone access system. Best highest yield unlimited checking account in the Nation without hidden requirements. Superb customer service. Also has a good high yield saving account available at 1.25% up to a balance of $35,000. Many awards and first Internet Checking Account in the nation. Open to residents of all states. Presidential Bank Internet Checking Account similar. 0.75% for balances up to $25,000, then 0.25%. No direct deposit required. Otherwise similar to above.

Taylor Richard

27 October 2010 at 7:30 pm

Citizens National Bank offers a checking accout that pays 4.1% interest on upto $25,000.00. The only requirement is that you must use your debit card at least 12 times in the thirty day cycle and have at least one electronic deposit and/or bill pay in the cycle as well. You also must get your statement as an E-Doc. I have had this account for a year and it is great!

Chris Coffin

11 October 2010 at 7:44 pm

Viewpoint bank still pays four percent but only up to 25k. It used to be 50k.

Tim Elliott

7 October 2010 at 7:58 pm

AmericaNet Bank offers free checking paying 4% interest up to $10,000. This is internet only. Based in Mustang OK. Savings is 2% up to $35,000


30 September 2010 at 5:21 am

Effective Monday, October 4th, the Rewards Rate APY on DANVERS BANK Free Rewards Checking account will be 3.01% (Currently at 4.01%) But let it be known that it still is a great bank , they do alot for there community and since there Free Rewards Checking was introduced, this is only there second rate decrease.

Ron Bannon

20 September 2010 at 7:02 pm

http://www.providentnj.com/site/Main.aspx Pays over 3%


15 September 2010 at 8:40 am

Provident Credit Union "Super Reward Checking" is paying 2.51% on first $25,000 They are great! check out here: http://www.providentcu.org/


2 September 2010 at 6:04 pm

Amegy Bank of Texas "Smart Yield Checking" is currently paying 1.99% APY on the first $25,000 and 0.25% on amounts over that limit. Requirements are ten signature based debit card purchases a month, either an ACH credit of pay/pension/Social Security or two ACH debits, and going to the bank Web site to pick up the PDF statement.

Kim OQuinn

31 July 2010 at 8:10 pm

Texas Gulf Bank - www.texasgulfbank.com - Gulf Advantage Checking pays 3.04% on balances up to 25K.


8 July 2010 at 6:49 am

Farmers and Merchants State Bank (fm-bank.com). Ohio and Indiana. Kasasa Cash checking account: 3.06% up to $25,000. 12 debit card transactions, Set up 1 Direct Deposit or one ACH debit monthly , online statements $50 deposit to open ATM fee refunds nationwide (up to $25 per cycle)

Nancy Goodenow

5 July 2010 at 9:39 am

. Try Bank of the Sierras, Royal Bank of Missouri, Coulee, First Bank and Trust, Willamette and Home Federal. Good rates. They do change. One just went from 4.01 to 3.01, but still good

Drew Brownlee

25 June 2010 at 2:17 pm

Fidelity Homestead Savings Bank - New Orleans, LA http://www.fidelityhomestead.com/personal/checking/fidelity-reward-checking.html 4.11% APY Rewards Checking Account Requirements: 10 debit card transactions a month e-statements direct-deposit / 1 automatic payment a month


25 June 2010 at 8:06 am

4.00% APY on Checking balances up to $10,000 in Chicago, IL at MB Financial. You can open the account online or in person but must set up your debit card in person at a branch. Requirements: e-statements, 12 debit-as-credit card transactions per cycle totaling $100 or more, one payroll deposit of $250 or more per month (or one ACH transaction of any amount). $500 minimum balance to avoid $10 monthly fee, $25 minimum to open account. http://www.mbfinancial.com/Personal/RedChecking/tabid/383/Default.aspx

John Doe

9 June 2010 at 9:19 am

3.51% APY on balances up to $50K at Farmers


15 May 2010 at 12:48 pm

4.01% Yield on Checking Account balances up to $25,000 at The East Carolina Bank. Serving Customers in North Carolina since 1920. Online Account Opening at www.myecb.com.

Rita Dolan

15 May 2010 at 7:50 am

Pelican State Credit Union in Baton Rouge, LA . has a 5.01% reward checking account on up to 30K, with requirements of e-statements, 15 pos debit card usage

K Smoker

14 May 2010 at 6:09 am

4.01% APY http://www.southernbandt.com/


11 May 2010 at 12:06 pm

CambridgeSavings bank 3.92% (APY 4.00%) (1) yes (monthly direct deposit: required) (2) no (monthly bill payment: not required) (3) yes (e-statement: required) (4) yes (debit card: 20 payments per month, 15 also gets rate but has $5 monthly charge) (5) $10 < balance < $25,000, $100 to open (https://www.cambridgesavings.com/pg_View.aspx?PageID=396)


10 May 2010 at 12:45 pm

Check out the rewards checking offers at Union Bank of Atchison,which I opened online last year. The customer service is excellent. Here is the current list of rules and rates: My Rewards Checking is a free account that also offers you Rewards. The "Rewards" include: 3.25% APY for balances up to $25,000 and 1.00% APY on the remaining balance over $25,000. Nationwide ATM fee refunds To receive these "Rewards" we ask you to do a few simple things: Receive E-Statements Access Online Banking (once per qulification cycle) 10 MC Debit Card Purchases (per qualification cycle) 1 Direct Deposit or ACH Auto Debit (per qualification cycle)


10 May 2010 at 8:04 am

Solvay Bank which is headquartered in Solvay, NY has a High Interest Checking account which yields a 2.75% APY with NO Minimum Balance Requirement. This account can be opened online or in one of their 8 branches(Solvay, Fairmount, Camillus, North Syracuse, Cicero, Liverpool, Westvale, or Downtown Syracuse). You have to be a resident of Onondaga County in the Syracuse, New York area to open one of these accounts. This accounts give you: 2.75% APY on balances up to $15,000 0.50% APY on portion of balance over $15,000 0.05% base rate if requirements are not met ATM fee refunds worldwide up to $25 per cycle Monthly requirements include: 12 debit card purchases 1 direct deposit Receive e-statements Other features of the account: $15 minimum initial deposit No monthly service charge No minimum balance requirement Maximum of 3 accounts allowed per household and one account per tax id number. This is a great account...you can visit their website www.solvaybank.com or highinterestsolvay.com to find out more about it!

MoneyRates team

11 December 2009 at 1:56 pm

We've made the name change for Southern Bank. We have also verified and updated the current rate for Rocky Mountain Bank's Reward Checking (Cash Rewards Checking).


10 September 2009 at 7:22 pm

Farmers Bank and Trust requires personal visit to one of their branches.


4 September 2009 at 8:07 am

Look at this bank checking program, 5.01% at Community Bank of Pickens County, Georgia. there web site: http://www.cbopc.com

S. E . Wallace

1 September 2009 at 3:27 pm

Everbank online FDIC 2.51 for first 3 mos

Dee Dlscha

1 September 2009 at 9:00 am

FYI Kansas State Bank requires signing documents IN PERSON. They do not mail out documents for you to sign

Dee Dlscha

1 September 2009 at 8:55 am

FYI: Southeast National Bank as of today, September 1, 2009, has a 4.01 % rate for their rewards checking. Also, people outside their service area (Illinois & Iowa) are not allowed to open accounts.

Chana Lambertz

30 August 2009 at 8:13 am

Easygrow checking 4.01 apy.

Rate chaser

28 August 2009 at 7:27 pm

One minor, one major correction: 1) Southern Missouri Bank is now named Southern Bank 2) ALWAYS obtain the correct rate for rewards or interest checking for, in this case, Rocky Mountain Bank (presently 4.01% with a $20K cap) by starting the search from their homepage.

tom ramsey

24 August 2009 at 6:27 am

liberty bank


11 August 2009 at 1:48 pm

Bank of america has 0.9%

L Costilow

10 August 2009 at 6:25 pm

Bank 1440, Phoenix, AZ Ask for Tanja. The rate as of today for up to $25,000, ten debit transactions, on line viewing of account and one direct deposit is 5.01% . Pretty good I'd say.

Sharon Mead

10 August 2009 at 8:32 am

First American Bank, First Rewards Checking, 5.00% APY up to $25,000 0.20 over $25,000 0.15% if requirements are not met, 1 DD or ACH Credit, 12 debit card purchases, sign up for e-statements, free bill pay, account must be opened at the branch. 11 locations through out southern NM.


4 August 2009 at 7:19 am

Capital Bank of Raleigh NC, www.capitalbank-nc.com has a high interest checking account that yields 4.01% APY on balances up to $25k. Great folks to work with and convenient locations. Free online banking with billpay is provided also.

Brad Moore

23 July 2009 at 7:08 pm

ViewPoint Bank Absolute Checking APY 4.00% ($0 - $50k) APY 2.00% ($50k - $100k) $100 to Open No Minimum for Interest No Monthly Fee Conditions: Sign up for direct deposit OR actively use free online bill-pay Receive your monthly bank statement and notices on your account electronically Use your Absolute Checking Visa Check Card at least 15 times per month for purchases Apply Online: http://www.viewpointbank.com/home/personal/checking/absolutechecking


13 July 2009 at 7:34 am

FAB&T Nearest Location - Concord, AR Show Locations Map data 2009 Tele Atlas - Terms of Use Kasasa Cash Insured by FDIC up to $100,000 With Kasasa Cash, a free, high-interest checking account from FAB&T, you earn the rewards (see info below) when you meet the simple monthly qualification criteria. If you do not meet the qualifications during the month, don't worry. You will not receive the Rewards for that month, but you will earn the Base Rate (listed on the right) on your entire free checking account balance. Plus, you can try again the next month to earn the Rewards! Rewards * 4.44% APY* paid on the portion of the balance below $50,000 * 1.00% APY* paid on the portion of the balance above $50,000 * Reimburses all ATM fees worldwide * All accounts automatically qualify for the first cycle Monthly. Qualifications to Receive Rewards * Minimum of 10 debit card purchases (ATM usage does not count toward the 10 purchases) * 1 Automatic Payment, Bill Pay transfer, or Direct Deposit transfer * Receive your monthly account statement electronically * Sign in to your online banking account at least once Other Features * Free Checking * No Minimum Balance * Free Visa Check and Debit Card * Free Online Banking * Free Online Bill Pay About FAB&T First Arkansas Bank & Trust is a family owned, full service financial institution headquartered in Jacksonville, AR. We have 28 banking centers located throughout Central and North Central Arkansas. We also have a full service mortgage company, trust division and associated investment consultants. * Open Now * Bonus Rate 4.44 % APY* paid on the portion of the balance below $50,000 if qualifications are met * Second Tier Rate 1.00 % APY* paid on the portion of the balance above $50,000 if qualifications are met * Base Rate 0.05 % APY* paid on entire balance if qualifications not met * ATM Reimburses all ATM fees worldwide if qualifications are met **** SIGN UP ONLINE**** Then debit card through the mail.


10 July 2009 at 1:58 pm

Bank of the Sierra in California has a Rewards Checking program with an interest rate of 4.51%; $50 to open, 12 check card transaction, estatements, one bill pay, direct deposit or ACH payment

Michael Clanton

8 July 2009 at 6:57 am

United Federal Credit Union www.unitedfcu.com (St. Joseph, Michigan with branches throughout southwestern lower Michigan as well as in Ohio, Arkansas, and North Carolina),-Interest Plus Checking earns 6.01% on the first $25,000 and free ATMs nationwide. Must meet several conditions (ie: 10 signature-based debits per month, either a direct deposit or ACH withdrawal monthly, and online statements. Also, must meet membership requirements of credit union).


6 July 2009 at 12:30 pm

I read about a bank that is paying 6% interest on checking - but i can't remember where I read it. ' It is online and i Probably read it in US News and World Reports or AARP newsletter ( not the magazine).


6 July 2009 at 10:17 am

Forum CU in Indianopolis. Rewards Checking, int rate variable 3.75% July 3,'09. Direct Deposit $50.00 per month deposit, 10 signature based debit card transactions each month that post that month. Must use e-statements. Out of town, can open if have relatives there. no min bal, free bill payand more.

Charles Weber

4 July 2009 at 11:26 am

Try RELIANT BANK in Franklin, Tennessee. "Clearly Better Rewards Checking" APY 4.01% Must meet several requirements each month: * ten debit card transactions * three bill pay transactions * One deposit ie ACH debit * Other minor requirements Great bank, great benefits and GREAT People

steve schexnayder

30 June 2009 at 7:45 pm

Neighbors Federal Credit Union Pays 4.51% on first $25000 then 1.01% anything over. http://www.neighborsfcu.org/services/rewardchecking.htm

Farmers State Bank

26 June 2009 at 8:34 am

Pays 3.51% on first $25000 then 1.01% anything over. Requirements are online statements, 10 debit card transactions/month with @ least once / month check on line balance . If conditions not met then only earn .1% for the month.

Martha Smith

26 June 2009 at 7:26 am

Are there any Kasasa banks in my area? If so, where?


25 June 2009 at 6:19 am

online checking account iGObanking.com 1% apy min $1 deposit no min bal requirement no required transactions see igobanking.com for full info

mike thompson

24 June 2009 at 4:47 pm

north carolina bank and trust 4.25%, http://www.ncbtonline.com/madmoney/ To stay at 4.25% APY*, the monthly requirements are simple and easy: * - Receive eStatements * - Use your VISA Debit Card a minimum of 10 times (non-ATM transactions) * - At least one Direct Deposit or Automatic Draft**

Jeff Bacso

22 June 2009 at 3:36 pm

Interest rate: 4.0% (up to $25K), 10 monthly transactions, any combo of 2 ach deposits or online bill payments, e-statement. Go to firstdayfcu.org for full details.


18 June 2009 at 11:04 am

Park Community Federal Credit Union HI Checking: 3.26%APY Terms: At least 1 monthly direct deposit. 12 monthly signature-based debit card transactions. Receive eStatements. No minimum balance. 3.26%APY earned on balances between $0.01 and $24,999.99 Not meeting the requirements and all funds in excess of $24,999.99 will earn a base rate interest of 0.25%APY

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