Find the Best Checking Accounts
Find the best Checking Account rates for Rewards Checking or Interest Checking accounts. A Reward Checking account typically offers a premium rate for customers who meet monthly requirements which may include one or more of the following: (1) monthly direct deposit, (2) monthly online bill payment, (4) receiving electronic statements instead of paper statements, and (4) check card or debit card activity. Banks listed in the rate table are FDIC-insured up to $250,000 per depositor.
Start Your Search: Change the zip code to see more Checking rates
- Insitution
- APY
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Min Bal to
Earn APY -
Min Bal to
Avoid Fees - Mth. Fees
- Advertiser Comments
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1.15%
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$0
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$5,000
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$8
- Free Online Banking & Free Bill Pay. FDIC insured. Apply Online Now!
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- Rates as of 2/9/2010
| Institution | APY | Min. Dep. | Min. To Earn APY | Details |
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| Chesapeake Bank - Clear Sky Accounts Rates as of Feb. 9th | 1.50% | $0 | $25,000 | Clear Sky Checking - Rate for balances up to $249,999 |
| Acacia Federal Savings Bank Online Rates as of Feb. 9th | 1.50% | $5,000 | $5,000 | Top Choice Checking |
| Chesapeake Bank - Clear Sky Accounts Rates as of Feb. 9th | 1.40% | $0 | $10,000 | Clear Sky Checking - Rate for balances up to $24,999 |
| ING Direct Rates as of Feb. 9th | 1.40% | $100,000 | $100,000 | Electric Orange |
| ING Direct Rates as of Feb. 9th | 1.35% | $50,000 | $50,000 | Electric Orange |
| Chesapeake Bank - Clear Sky Accounts Rates as of Feb. 9th | 1.30% | $1 | $1 | Clear Sky Checking - Rate for balances up to $9,999 |
| EverBank Rates as of Feb. 9th | 1.26% | $1,500 | $100,000 | New Account bonus rate - Freenet Checking - 2.25% first 3 months, 1.51% - 1.26% 1st year APY for account balances $100K and over |
| State Farm Bank Rates as of Feb. 9th | 1.25% | $100 | $2,500 | Rates may vary by market area, rate disclosed based on NY market area |
| American Bank Online Rates as of Feb. 9th | 1.25% | $100 | $1,000 | American e-Checking - Rate disclosed is for balances under $9,999.99 |
| Ultima Bank Rates as of Feb. 9th | 1.11% | $0 | $100,000 | Ultima Checking |
| Quantum National Bank Rates as of Feb. 9th | 1.11% | $10,000 | $10,000 | Community Checking - Limited to Georgia customers only |
| Bank of Internet Rates as of Feb. 9th | 1.01% | $500 | $1 | High Interest Checking - Bal under $5000 has $7.50 monthly fee |
| Ascencia Bank Rates as of Feb. 9th | 1.00% | $50 | $0 | |
| American Chartered Bank Rates as of Feb. 9th | 1.00% | $50 | $50,000 | Wall Street Plus Checking - Tiered interest rates |
| Presidential Bank Rates as of Feb. 9th | 1.00% | $1,500 | $1,000 | Checking PLUS - APY on balances up to $25,000 |
| KeyBank Rates as of Feb. 9th | 1.00% | $50 | $25,000 | Key Privilege Select Checking - Relationship Checking with Sweep Option. Rates may vary by location. Available in AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, WA |
| GCF Bank Rates as of Feb. 9th | 0.80% | $10,000 | $100,000 | Money Maker Checking |
| Century Bank Direct Rates as of Feb. 9th | 0.80% | $100 | $1 | High Interest Checking Account Online Checking |
| Salem Five Direct Rates as of Feb. 9th | 0.80% | $1 | $50,000 | eOne - Online applicants only, who do not have existing deposit accounts with Salem Five. |
| Salem Five Direct Rates as of Feb. 9th | 0.80% | $1 | $100,000 | eOne - Online applicants only, who do not have existing deposit accounts with Salem Five. |
| Evergreen Bank Group Rates as of Feb. 9th | 0.75% | $1,000 | $15,000 | Cornerstone Interest Checking - Direct deposit is required or a $10 monthly fee applies. |
| iGOBanking Rates as of Feb. 9th | 0.50% | $1 | $1 | Online Checking - iGOchecking |
| Carthage Savings and Loan Association Rates as of Feb. 9th | 0.50% | $25 | $2,500 | Wall Street Checking - tiered interest rate. Limited to local New York market area. |
| Tompkins Trust Company Rates as of Feb. 9th | 0.40% | $2,500 | $50,000 | True Advantage Checking Plus - Tiered interest rate, limited to local New York market area |
| TD Bank Rates as of Feb. 9th | 0.40% | $0 | $50,000 | Premier Checking - Tiered interest rates. Rate may vary by location. Market area from Maine to Florida. |
| Community Bank, NA Rates as of Feb. 9th | 0.35% | $2,500 | $2,500 | Wall Street Checking - Limited to New York and Pennsylvania market area |
| Citibank Rates as of Feb. 9th | 0.30% | $500 | $1 | Citigold Interest Checking Account - Tiered interest rate, must apply online or by phone |
| Bank of America Rates as of Feb. 9th | 0.25% | $100 | $100,000 | Advantage with Tiered Interest Checking Account |
| First Niagara Rates as of Feb. 9th | 0.25% | $2,500 | $100,000 | Prestige Checking - Tiered rates. Rate listed is available for new accounts opened at branch locations. Rate may vary by market area. |
| M and T Bank Rates as of Feb. 9th | 0.25% | $1 | $50,000 | Power Checking - Tiered rates, account must be designated as your Web bill Pay billing account. Geographic restrictions, rate and products may vary by location, rate disclosed is based on NY market area |
| Solvay Bank Rates as of Feb. 9th | 0.25% | $15 | $0 | NOW Personal |
| PNC Bank Rates as of Feb. 9th | 0.25% | $25 | $100,000 | Performance Interest Checking - tiered interest rate, rate based on New York market area, rate may vary by location |
| Rhinebeck Savings Bank Rates as of Feb. 9th | 0.25% | $2,500 | $10,000 | Priorty Elite Relationship Checking - Tiered interest rates, APY up to $99,999.99 |
| Peoples National Bank Rates as of Feb. 9th | 0.25% | $1,000 | $1,000 | NOW Account - Limited to local New York market area |
| Pioneer Bank Rates as of Feb. 9th | 0.20% | $5 | $500 | NOW Account - Limited to New York market area |
| Genesee Regional Bank Rates as of Feb. 9th | 0.20% | $25 | $1,000 | NOW Account - limited to local New York market area |
| Citizens Bank Rates as of Feb. 9th | 0.15% | $250 | $1 | Circle Gold Checking with Interest - rate applies to new accounts, NY - Albany region. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT. |
| Trustco Bank Rates as of Feb. 9th | 0.15% | $25 | $500 | Free Interest Checking - Rate based on New York market area, rate may vary by location, market areas FL, NY, MA, NJ, VT |
| First National Bank of Groton Rates as of Feb. 9th | 0.15% | $500 | $500 | Limited to local New York market area |
| Northwest Savings Bank Rates as of Feb. 9th | 0.10% | $1,000 | $1,000 | Interest Checking - Limited to local western New York market area |
| The Adirondack Trust Company Rates as of Feb. 9th | 0.10% | $500 | $0 | NOW Account |
| Astoria Federal Savings Bank Rates as of Feb. 9th | 0.10% | $100 | $2,500 | Ultra Checking |
| Chemung Canal Trust Company Rates as of Feb. 9th | 0.10% | $1,000 | $1,000 | NOW Account, limited to local New York market area |
| NBT Bank Rates as of Feb. 9th | 0.05% | $100 | $2,500 | Tiered interest rates, account limited to local New York market area |
| HSBC Bank Rates as of Feb. 9th | 0.01% | $1 | $5 | HSBC Premier Checking - online only |
| JPMorgan Chase Rates as of Feb. 9th | 0.01% | $25 | $1 | Chase Premier Checking - rate may vary by location |
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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!
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27 Responses to "Best Checking Accounts found by users like you"
| 1 | MoneyRates team says on December 11, 2009 (, ) 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). |
| 2 | Midav says on September 10, 2009 (Newton, MA) Farmers Bank and Trust requires personal visit to one of their branches. |
| 3 | R.W.Sewell says on September 04, 2009 (, AL) Look at this bank checking program, 5.01% at Community Bank of Pickens County, Georgia. there web site: http://www.cbopc.com |
| 4 | S. E . Wallace says on September 01, 2009 (Flippin, AR) Everbank online FDIC 2.51 for first 3 mos |
| 5 | Dee Dlscha says on September 01, 2009 (san francisco, CA) FYI Kansas State Bank requires signing documents IN PERSON. They do not mail out documents for you to sign |
| 6 | Dee Dlscha says on September 01, 2009 (San Francisco, CA) 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. |
| 7 | Chana Lambertz says on August 30, 2009 (Yankton, SD) Easygrow checking 4.01 apy. |
| 8 | Rate chaser says on August 28, 2009 (Houston, TX) 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. |
| 9 | tom ramsey says on August 24, 2009 (denver, CO) liberty bank |
| 10 | james says on August 11, 2009 (goleta, CA) Bank of america has 0.9% |
| 11 | L Costilow says on August 10, 2009 (Phoenix, AZ) 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. |
| 12 | Sharon Mead says on August 10, 2009 (Las Cruces, NM) 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. |
| 13 | Ryan says on August 04, 2009 (Raleigh, NC) 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. |
| 14 | Brad Moore says on July 23, 2009 (Dallas, TX) 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 |
| 15 | Michael says on July 13, 2009 (Concord, AR) 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. |
| 16 | Marissa says on July 10, 2009 (Riverside, CA) 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 |
| 17 | Michael Clanton says on July 08, 2009 (Niles, MI) 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). |
| 18 | mary says on July 06, 2009 (greenbelt, MD) 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). |
| 19 | Beverly says on July 06, 2009 (East Amherst, NY) 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. |
| 20 | Charles Weber says on July 04, 2009 (Nashville, TN) 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 |
| 21 | steve schexnayder says on June 30, 2009 (baton rouge, LA) Neighbors Federal Credit Union Pays 4.51% on first $25000 then 1.01% anything over. http://www.neighborsfcu.org/services/rewardchecking.htm |
| 22 | Farmers State Bank says on June 26, 2009 (Albert Lea, MN) 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. |
| 23 | Martha Smith says on June 26, 2009 (Anderson, SC) Are there any Kasasa banks in my area? If so, where? |
| 24 | maria says on June 25, 2009 (nassau, NY) online checking account iGObanking.com 1% apy min $1 deposit no min bal requirement no required transactions see igobanking.com for full info |
| 25 | mike thompson says on June 24, 2009 (charlotte, NC) 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** |
| 26 | Jeff Bacso says on June 22, 2009 (Dayton, OH) 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. |
| 27 | Wes says on June 18, 2009 (Louisville, KY) 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 |
