Best Selection of Rewards 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 and credit unions listed in the rate table are insured up to $250,000 per depositor by the FDIC or NCUA.
| Institution | State | APY | APY Limit | Monthly Requirements |
|---|---|---|---|---|
| Consumers Credit Union Rates as of May. 16th | Illinois | 4.09% | up to $10,000 | 12 debit card transactions - electronic statements - 1 direct deposit OR 1 auto ACH payment OR 1 online bill pay - enroll in online banking - apply online - membership required -Free Rewards Checking |
| Pelican State Credit Union Rates as of May. 23rd | Louisiana | 4.01% | up to $20,000 | 15 debit card transactions totaling at least $300 - electronic statements - 1 direct deposit or receive payroll deduction - access account online - membership required - e-Xtra Bonus Checking |
| Southern Bank Rates as of May. 23rd | Missouri, Arkansas | 4.01% | up to $15,000 | 12 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - Kasasa Cash - Open only to residents of local Missouri and Arkansas market area |
| Coppermark Bank Rates as of May. 23rd | Oklahoma, Texas | 4.00% | up to $25,000 | 16 POS debit card transactions - electronic statements - 1 direct deposit - Free High Interest Checking - rate collected within Oklahoma |
| Florida Central Credit Union Rates as of May. 23rd | Florida | 4.00% | up to $15,000 | 12 check card transactions - electronic statement - 1 direct deposit or auto ACH - loan balance of $5,000 or more - customers with no loan balance can still earn 3.51% APY - Ultimate Checking |
| Home Federal Bank Corp Rates as of May. 23rd | Louisiana | 4.00% | up to $20,000 | 15 signature debit card transactions - electronic statements with check images - direct deposit of at least $100 - maintain $250 minimum balance - Smart Rewards Checking |
| TheBANK of Edwardsville Rates as of May. 23rd | Illinois | 3.60% | up to $25,000 | 12 debit card transactions - electronic statements - 1 online PayLink Bill Pay - TheCLUB Checking - IL market area only |
| Union Square Federal Credit Union Rates as of May. 23rd | Texas | 3.51% | up to $25,000 | 12 debit card purchases - 1 direct deposit or ACH - electronic statements - access online banking - membership is open to persons who live or work in Witchita County, Texas - Premier Checking Account |
| Citizens National Bank Rates as of May. 23rd | Tennessee | 3.25% | up to $25,000 | 12 check/debit card transactions - electronic statements - 1 direct deposit or direct debit - Local service areas only - open in branch - Rewards Checking |
| National Bank of Arkansas Rates as of May. 23rd | Arkansas | 3.25% | up to $15,000 | 12 debit card purchases - electronic statements - direct deposit - Must open in person |
| DuPont Community Credit Union Rates as of May. 23rd | VA | 3.14% | up to $25,000 | 15 debit card transactions - $250 minimum amount of debit transactions monthly - electronic statements - membership open to people living, working, worshiping, or going to school in Augusta, Rockingham, Rockbridge, Highland, Bath, Shenandoah, Waynsboro, Staunton, Harrisonburg, Lexington, and Buena Vista Counties, VA - Grow Green Checking Tier II |
| The First National Bank of Dieterich Rates as of May. 23rd | Illinois | 3.10% | up to $25,000 | 10 debit card transactions, electronic statements, access online banking. Limited to residents of Eastern Illinois only - Prime Rewards Checking |
| First State Bank (first-state.net) Rates as of May. 23rd | Tennessee | 3.10% | up to $15,000 | 15 debit purchases - electronic statements - 1 direct deposit or auto ACH debit - FirstChecking plus Interest |
| Capital Educators Federal Credit Union Rates as of May. 23rd | Idaho | 3.10% | up to $15,000 | 12 non-PIN check card transactions - electronic statement - 1 direct deposit or auto ACH - High Yield Checking. Membership available to Idaho residents |
| Crossroads Bank (crossroadsbank.com) Rates as of May. 23rd | Illinois | 3.05% | up to $30,000 | 20 VISA debit card transactions - electronic statements - account must be opened in person in Effingham, IL - Effingham First Checking |
| First Arkansas Bank & Trust Rates as of May. 23rd | Arkansas | 3.03% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit - auto ACH debit or online bill payment - 1 log-in to online banking - Arkansas residents only - Kasasa Cash |
| Ouachita Independent Bank Rates as of May. 23rd | Louisiana | 3.01% | up to $15,000 | 12 check/debit card transactions-electronic statements-one direct deposit or auto ACH-OIB Reward Checking |
| Flora Bank Rates as of May. 23rd | Illinois | 3.01% | up to $20,000 | 10 check card transactions - electronic statements - one direct deposit or ACH auto debit - access online banking - account available to Illinois market area - First Reward Checking |
| Washington Savings Bank Rates as of May. 23rd | Massachusetts | 3.01% | up to $10,000 | Interest Rewards - 12 debit card purchases - electronic statements - 1 direct deposit or ACH or 1 online bill pay - apply online - limited to market area |
| SAC Federal Credit Union Rates as of May. 23rd | Nebraska, Iowa | 3.01% | up to $25,000 | 12 debit card transactions - electronic statements - High Yield checking - membership limited to people living, worshiping, or working in Sarpy, Douglas, and Cass Counties in Nebraska or Pottawattamie County in Iowa |
| Fort Morgan State Bank Rates as of May. 23rd | Colorado | 3.01% | up to $25,000 | 12 debit transactions - electronic statements - 1 direct deposit or ACH - open in person - Windmill Smart Checking |
| Heartland Community Bank Rates as of May. 23rd | Arkansas | 3.00% | up to $15,000 | 10 check/debit card transactions-electronic statements-one direct deposit or auto ACH debit-access online banking-Interest Plus Checking Account APY paid on balances $0 - $15,000.99. |
| Bank of Little Rock Rates as of May. 23rd | Arkansas | 3.00% | up to $15,000 | 10 debit card transactions - electronic statements - at least one direct deposit or ACH auto debit - Kasasa Cash - available only to residents of Arkansas |
| Beacon Federal Rates as of May. 23rd | New York, Massachusetts, Tennessee | 3.00% | up to $20,000 | 15 check/debit card transactions - 1 direct deposit or auto ACH payment - electronic statements - apply online - market area only - Rewards Checking |
| UniWyo Federal Credit Union Rates as of May. 23rd | Wyoming, Colorado | 2.99% | up to $25,000 | 10 monthly debit card transactions of at least $5 each - electronic statements - direct deposit - aggregate deposit/loan balance of at least $5,000 - Xtraordinary Checking - available to Wyoming and Colorado Front Range residents of select employer groups |
| First Clover Leaf Bank Rates as of May. 23rd | Illinois | 2.85% | up to $15,000 | 10 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - 3 online bill payments - Must open in person - My Great Rate Checking |
| Liberty Bank Rates as of May. 23rd | Illinois | 2.76% | up to $25,000 | 15 check/debit card transactions-electronic statements-1 direct deposit or ACH-1 bill pay-eSmart Checking |
| BankTexas Rates as of May. 23rd | Texas | 2.75% | up to $10,000 | 10 debit card purchases per month - 1 direct deposit or ACH per month - electronic statements - Kasasa Cash checking account |
| Southeast National Bank Rates as of May. 23rd | Illinois | 2.75% | up to $20,000 | 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit - Free Reward Checking |
| Royal Banks of Missouri Rates as of May. 23rd | Missouri | 2.67% | up to $24,999 | 15 debit card transactions - electronic statements - 1 direct deposit and/or ACH - Missouri residents only - Majestic Checking |
| Coulee Bank Rates as of May. 23rd | Wisconsin | 2.55% | up to $25,000 | 10 debit card transactions - electronic statements - at least one direct deposit - Rewards checking |
| Farmers and Merchants National Bank Rates as of May. 23rd | Illinois | 2.55% | up to $15,000 | 10 debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - Hometown Advantage - available to residents of Southwestern Illinois and it's surrounding counties. |
| Montgomery Bank Rates as of May. 23rd | Missouri | 2.51% | up to $25,000 | 12 check/debit card transactions-1 direct deposit or auto ACH-maintain vallid e-mail adress-e-statments-Montgomery eBlue Checking Account |
| Cross County Bank Rates as of May. 23rd | Arkansas | 2.51% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or one ACH auto debit - Arkansas residents only - The Most Checking |
| New Mexico Bank & Trust Rates as of May. 23rd | New Mexico | 2.51% | up to $20,000 | Cash Rewards Checking12 signature-based debit card transactions-electronic statements-one direct deposit or auto ACH-Cash Rewards Checking- Accepting accounts only from local service areas. |
| Rocky Mountain Bank Rates as of May. 23rd | Montana | 2.51% | up to $20,000 | 15 check/debit card transactions-electronic statements-direct deposit- Accounts from local service areas only - Cash Rewards Checking |
| Arizona Bank and Trust Rates as of May. 23rd | Arizona | 2.51% | up to $20,000 | 15 check/debit card transactions - electronic statements - 1 direct deposit - Local service areas only - Cash Rewards Checking |
| Wisconsin Community Bank Rates as of May. 23rd | Wisconsin | 2.51% | up to $20,000 | 15 signature-based debit purchases - direct deposit - online statements - Cash Rewards checking |
| First Federal Bank Rates as of May. 23rd | North Carolina | 2.50% | up to $15,000 | 10 Debit card purchases - direct deposit or ACH - Reward Checking |
| All America Bank Rates as of May. 23rd | Oklahoma | 2.50% | up to $10,000 | 10 check/debit card transactions - electronic statements - Ultimate Rewards |
| Opportunity Bank Rates as of May. 23rd | Texas | 2.50% | up to $20,000 | 10 check/debit card transactions-electronic statements-one direct deposit or ACH auto-debit-access-online banking monthly |
| Legacy Bank Rates as of May. 23rd | Oklahoma | 2.50% | up to $25,000 | 12 debit/check card transactions-electronic statements-direct deposit-Win/Win Checking |
| Southbridge Savings Bank Rates as of May. 23rd | Massachusetts | 2.50% | up to $50,000 | 10 debit card POS transactions, electronic statements, at least one direct deposit or ACH auto debit - Kasasa Cash Checking Bonus |
| Bank of the Wichitas Rates as of May. 23rd | Oklahoma | 2.50% | up to $10,000 | 10 Visa CheckCard sales transactions, electronic statements |
| Cross Keys Bank Rates as of May. 23rd | Louisiana | 2.50% | up to $20,000 | 12 check card purchases - 1 auto pay or direct deposit transfer - electronic statements - enroll/access internet banking - Gold Key Rewards |
| Greater Nevada Credit Union Rates as of May. 23rd | Nevada | 2.50% | up to $25,000 | We Aspire Checking - balances up to $10,000, Have at least 15 debit card purchases post and clear, one Direct Deposit post and clear Receive online eStatements for current members only |
| Pacific Resource Credit Union Rates as of May. 23rd | California | 2.27% | up to $15,000 | 10 check/debit card transactions per cycle and each transaction must be at least $10 to qualify - electronic statements -1 direct deposit or ACH - must be a member - High Flying Checking |
| Kennebec Federal Savings Rates as of May. 23rd | Maine | 2.25% | up to $50,000 | 10 debit card purchases-electronic statements, one direct deposit or ACH-Only available to residents of Maine-KFS Rewards Checking |
| Coleman County State Bank Rates as of May. 23rd | Texas | 2.25% | up to $25,000 | 10 check card transactions - direct deposit or automatic payment - electronic statements |
| Randolph Bank Rates as of May. 23rd | North Carolina, Virginia, Tennessee, South Carolina, Georgia, Florida | 2.25% | up to $25,000 | 6 point of sale card transactions (minimum $20, ATM transactions not included) - electronic statements - 1 direct deposit or auto ACH or Bill Pay - Extra-Mile Choice - Limited to NC, VA, TN, SC, GA and FL customers only- contact bank online for account opening instructions |
| Lee County Bank and Trust, NA Rates as of May. 23rd | Iowa, Illinois, Missouri | 2.25% | up to $25,000 | 10 debit card purchases - electronic statements - 1 direct deposit or auto payment - access online banking - Big Account Reward Checking |
| Northstar Bank of Texas Rates as of May. 23rd | Texas | 2.25% | up to $30,000 | 10 check/debit card transactions - 1 direct deposit or auto ACH - electronic statements - log on to online banking - apply online - must reside within 50 miles of Denton, TX - Velocity Checking |
| Farmers Citizens Bank Rates as of May. 23rd | Ohio | 2.22% | up to $25,000 | 12 debit card purchases - 1 direct deposit or automatic payment - electronic statement - apply online - located in Ohio - Kasasa Cash |
| United Federal Credit Union Rates as of May. 23rd | Arkansas, Michigan, Nevada, North Carolina, Ohio | 2.20% | up to $25,000 | 10 check/debit card transactions, 1 direct deposit or 1 auto ACH - electronic statements - rates may vary by location - Rate collected within: Michigan - Interest Plus Checking |
| Bank Gloucester Rates as of May. 23rd | Open to all states | 2.17% | up to $25,000 | 10 debit card purchases - electronic statements - 1 direct deposit or auto payment - Reward Checking - Accounts are available in all states yet you must open each account in person. |
| Keystone Bank Rates as of May. 23rd | Alabama | 2.15% | up to $25,000 | 10 MasterCard Debit Card purchases-electronic statements-one direct deposit/auto ACH-Keystone Checking Rewards |
| Bank of Fayetteville Rates as of May. 23rd | Arkansas | 2.05% | up to $50,000 | 10 VISA check card transactions - electronic statements - 1 direct deposit or ACH payment - sign on to online banking - Smart Checking -Limited to Arkansas residents. |
| Reliabank Rates as of May. 23rd | South Dakota | 2.02% | up to $25,000 | 15 debit card purchases, one direct deposit/ACH, enroll - Ultimate Checking |
| Farmers Bank and Trust Rates as of May. 23rd | Arkansas | 2.01% | up to $25,000 | 10 check card transactions - 1 direct deposit or ACH auto debit, - electronic statements - access online banking - Arkansas residents only - must open account in person - True Rewards Checking |
| The East Carolina Bank Rates as of May. 23rd | North Carolina | 2.01% | up to $15,000 | 10 debit card transations - electronic statements - 1 direct deposit or auto ACH or online bill pay |
| First Robinson Savings Bank Rates as of May. 23rd | Indiana, Illinois | 2.01% | up to $15,000 | 10 debit card transactions - electronic statements - 1 online bill payment, automatic payment or direct deposit- account available in Illinois and Indiana market area - Kasasa Cash |
| Community Bank of Pleasant Hill Rates as of May. 23rd | Missouri | 2.01% | up to $25,000 | 10 POS debit card transactions - at least one ACH direct deposit or ACH auto debit - electronic statement - Rewards Checking |
| Sutton Bank Rates as of May. 23rd | Ohio | 2.01% | up to $25,000 | 11 check card transactions, 1 direct deposit or ACH auto-debit, electronic statements - apply online |
| Focus Bank Rates as of May. 23rd | Missouri, Arkansas, Kentucky, Tennessee and parts of Illinois | 2.01% | up to $25,000 | 10 check/debit card transactions - electronic statements - access online banking - MAXimum Free Checking |
| Lake City Bank Rates as of May. 23rd | Indiana | 2.01% | up to $50,000 | 8 check/debit card transactions - electronic statements - direct deposit/auto ACH - local market area only |
| Bank 1440 Rates as of May. 23rd | Arizona | 2.01% | up to $25,000 | 10 check/debit card transations - electronic statements - 1 direct deposit or auto ACH - Must complete in person - Optimum Checking |
| Bank2 Rates as of May. 23rd | Oklahoma | 2.01% | up to $15,000 | 10 check card purchases - 1 ACH or EFT direct deposit - electronic statements - access online banking - Great Rate Checking-available only to Oklahoma residents. |
| The Provident Bank Rates as of May. 23rd | New Jersey | 2.01% | up to $25,000 | 10 debit purchases per month, 1 direct deposit or 1 automatic ACH debit, electronic statements - Provident Smart Checking |
| First Bank and Trust Rates as of May. 23rd | Iowa, Minnesota, Nebraska, North Dakota, South Dakota | 2.01% | up to $25,000 | 10 check/debit card purchase transactions-1 direct deposit or auto ACH payment-electronic statements-Easy Grow Checking |
| WestField Bank FSB Rates as of May. 16th | Ohio | 2.01% | up to $25,000 | 12 Visa debit card purchases (excludes ATM transactions) - electronic statements - 1 direct deposit or auto ACH - Dream Big Checking - Bank located in Ohio - account available nationwide - open online, signature cards by mail |
| Farmers State Bank (farmersstatebankmn.com) Rates as of May. 23rd | Minnesota | 2.01% | up to $20,000 | 10 Check Card Point of Sale purchases (ATM withdrawals do not qualify) - 1 automatic payment/transfer or direct deposit - access online banking - electronic statements - Free e-Checking |
| Altra Federal Credit Union Rates as of May. 23rd | Wisconsin, Minnesota, Texas, Tennessee | 2.00% | up to $25,000 | 10 check card transactions - electronic statements - direct deposit - online statements - A Plus Checking - accounts are available to anyone living, working, worshiping, or attending school in La Crosse, WI, Winona, MN, Tyler/Smith County, TX, Clarksville/Montgomery County TN, and select employee groups |
| Kanza Bank Rates as of May. 23rd | Kansas | 2.00% | up to $25,000 | 12 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - KanzaRewards Checking APY paid on balances up to $25000. |
| Bank of Blue Valley Rates as of May. 23rd | Kansas | 2.00% | up to $25,000 | $1,000.00 in signature based point-of-sale (POS) transactions - 1 direct deposit or auto ACH payment - Must open account in person - Ultimate Checking |
| MidwestOne Bank Rates as of May. 23rd | Iowa | 2.00% | up to $25,000 | Power Checking - 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
| Saginaw Medical Federal Credit Union Rates as of May. 23rd | Michigan | 2.00% | up to $25,000 | 12 check/debit card transactions-electronic statements-online banking-1 direct deposit-Membership limited to those in healthcare field in the Saginaw, MI area, see site for details. |
| ViewPoint Bank Rates as of May. 23rd | Texas | 2.00% | up to $25,000 | 15 check/debit card purchases - electronic statements - 1 direct deposit or 1 online bill pay - apply online - limited to residents of Texas - Absolute Checking |
| Workers' Credit Union Rates as of May. 23rd | Massachusetts | 2.00% | up to $25,000 | 12 debit card transactions - 1 monthly direct deposit or automatic payment - electronic statements - $25 membership savings account is required - membership is limited to residents of Massachusetts or New Hampshire or those who work for a company that is based in Massachusetts - Xtreme checking |
| Cambridge Savings Bank Rates as of May. 23rd | Massachusetts | 2.00% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit - limited to market area - apply online - SuperSmart Checking |
| Solvay Bank Rates as of May. 23rd | New York | 2.00% | up to $15,000 | 12 debit card transactions - electronic statements - 1 direct deposit - must be resident of Onondaga County |
| MB Financial Rates as of May. 23rd | Illinois, Pennsylvania | 2.00% | up to $10,000 | 12 debit card transactions - electronic statements - 1 direct deposit or auto ACH - apply online - MB Red Checking |
| DuPont Community Credit Union Rates as of May. 23rd | VA | 1.87% | up to $25,000 | 10 debit card transactions - electronic statements - membership open to people living, working, worshiping, or going to school in Augusta, Rockingham, Rockbridge, Highland, Bath, Shenandoah, Waynsboro, Staunton, Harrisonburg, Lexington, and Buena Vista Counties, VA - Grow Green Checking Tier I |
| Citizens Bank Minnesota Rates as of May. 23rd | Minnesota | 1.76% | up to $15,000 | 10 check card transactions - electronic statements - at least one direct deposit or one automatic payment -Reward Checking |
| Cinco Family Financial Center Credit Union Rates as of May. 23rd | Ohio | 1.76% | up to $25,000 | 12 debit card purchases - direct deposit - electronic statements - membership limited to people living, working, and worshiping in Butler, Hamilton, and Clarmont Counties in Ohio and Dearborn County, IN, and their family members - WePayU Checking |
| Rollstone Bank and Trust Rates as of May. 23rd | Massachusetts | 1.75% | up to $50,000 | 10 check/debit card transactions-electronic statements-direct deposit of payroll, pension, or social security payments-All In One Checking |
| United Financial Credit Union Rates as of May. 23rd | Michigan | 1.75% | up to $25,000 | 12 check/debit card transactions - electronic statements - 1 direct deposit - 1 online bill pay - limited to Saginaw, Bay and Midland Counties - Direct Rewards Checking |
| Reliant Bank Rates as of May. 23rd | Tennessee | 1.60% | up to $50,000 | 10 debit card transactions (excluding ATM withdrawals), 3 bill pay transactions, access online banking, 1 deposit or ACH debit, electronic statements - Clearly Better Rewards Checking |
| Endura Financial Federal Credit Union Rates as of May. 23rd | Minnesota | 1.51% | up to $25,000 | 15 debit card purchases $10 minimum - electronic statements - direct deposit - online banking - eLife checking - $25 opening deposit - apply online - must be a member - eligible balance to earn APY determined by direct deposit amount |
| The First National Bank of Wynne Rates as of May. 23rd | Arkansas | 1.51% | up to $10,000 | First Reward Checking - 10 check card transactions, electronic statements, 1 direct deposit or ACH auto debit |
| 1st National Bank (firstnationalbanks.biz) Rates as of May. 23rd | Wisconsin | 1.51% | up to $25,000 | 10 check/debit card transactions by the 12th of the month - electronic statements - 1 direct deposit or auto ACH - Must apply in person at a branch in Central Wisconsin - 1st Rewards Checking |
| Bank of The Valley Rates as of May. 23rd | Nebraska | 1.51% | up to $20,000 | 10 check card, used as credit card, transactions - electronic statement - 1 direct deposit - Bonus Checking |
| Avidia Bank Rates as of May. 23rd | Open to all states | 1.51% | up to $25,000 | 10 debit card purchases - electronic statements - 1 direct deposit or ACH - enroll in and sign into online banking at least once a month - avoid a negative balance - apply online only - available nationally - eChecking |
| Legence Bank Rates as of May. 23rd | Indiana, Illinois | 1.50% | up to $25,000 | 10 check/debit card transactions-1 auto ACH, bill pay transfer OR direct deposit transfer-electronic statements-sign into online banking once a month-Kasasa Cash,-serving Southern Illinois |
| Tioga State Bank Rates as of May. 23rd | New York | 1.50% | up to $25,000 | Confirmed enrollment in TSB Online E Statements, 12 or more purchases with TSB debit card, one direct deposit or ACH debit per qualification cycle. Tier 2 $0 to less than $25,000 |
| Community National Bank Rates as of May. 23rd | Tennessee | 1.50% | up to $10,000 | 12 debit card purchases - 1 direct deposit or automatic payment - electronic statements - Kasasa Cash |
| Neighbors Credit Union Rates as of May. 23rd | MO, IL | 1.50% | up to $25,000 | 12 debit card transactions - electronic statements - online banking - direct deposit - Elite green checking |
| Blue Ridge Bank Rates as of May. 23rd | Virginia | 1.50% | up to $25,000 | 10 VISA check/debit card transactions-electronic statements-1 direct deposit or auto ACH-Geographic Restrictions - Contact bank for details. |
| CoreFirst Bank and Trust Rates as of May. 23rd | Kansas, Colorado | 1.38% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit - 2 online bill payments or ACH debit |
| Bank of the Sierra Rates as of May. 23rd | California, West Virginia | 1.27% | up to $25,000 | 12 check card transactions - electronic statements - one bill pay online - one direct deposit or automatic payment - must be opened online - Sierra Reward Checking - California and West Virginia residents only |
| Dedham Savings Rates as of May. 23rd | Massachusetts | 1.26% | up to $25,000 | 12 debit card transactions - electronic statements - direct deposit or ACH - Free Reward Checking |
| Haverhill Bank Rates as of May. 23rd | Massachusetts | 1.26% | up to $50,000 | 10 debit card transactions-electronic statements-one direct deposit or ACH auto debit. You must maintain an online account with a current e-mail address.APY paid on balances .01 to $25000. |
| M&F Bank Rates as of May. 23rd | Mississippi, Tennessee, Alabama | 1.26% | up to $25,000 | Summit Checking - 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit, log-in to online banking at least once |
| Westbury Bank Rates as of May. 23rd | Wisconsin | 1.25% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - access online banking - Wisconsin residents only - Ideal Checking |
| North Middlesex Savings Bank Rates as of May. 23rd | Massachusetts | 1.25% | up to $25,000 | Max Checking - 12 debit card transactions, electronic statements, 1 direct deposit. Must live within market area to open an account. |
| BankNewport Rates as of May. 23rd | Rhode Island, Massachusetts | 1.05% | up to $50,000 | 12 debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - for residents of Rhode Island and Southeastern Massachusetts only - Go Checking |
| CharterBank Rates as of May. 23rd | Alabama, Georgia | 1.01% | up to $15,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - online banking - REWARDSChecking |
| Bank of Idaho Rates as of May. 23rd | Idaho | 0.81% | up to $15,000 | 10 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - Idaho market area only - Kasasa Cash |
| Grand Bank Rates as of May. 23rd | New Jersey | 0.80% | up to $25,000 | 0 debit point of sale transactions per qualification cycle - 1 direct deposit or ACH auto debit - electronic statements - Free Rewards Checking |
| Beacon Bank Rates as of May. 23rd | Open to all states | 0.75% | up to $25,000 | 10 check card transactions - electronic statements - 1 direct deposit or auto ACH - log onto NetTeller at least one time - Beacon Rewards Checking |
| Kansas State Bank Rates as of May. 23rd | Kansas | 0.60% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - 1 log in online banking - New account documents must be signed in person - Free Rewards Checking |
| Community West Bank Rates as of May. 23rd | California | 0.60% | up to $15,000 | 10 debit card transactions - electronic statements - at least one direct deposit - access online banking at least once each cycle-Great Rate Checking |
| South Division Credit Union Rates as of May. 23rd | Open to all states | 0.50% | up to $25,000 | 12 VISA Checkcard transactions (non-PIN) - electronic statements - 1 direct deposit or auto ACH to fund your account monthly with $250 - use online Bill pay to pay minimum of one bill - Freedom Green Account - open online, complete application via mail - contact credit union for details - must be member and open/maintain savings account - located in Illinois-Membership is available Nationwide |
| Premier Bank Rates as of May. 23rd | Florida | 0.31% | up to $49,999 | 10 check/debit card transactions-electronic statements-one direct deposit/auto ACH - Interest Checking |
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!
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.
Maria
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.
BillR
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.
BillR
25 April 2012 at 7:31 pm
Montgomery Bank requires you to come into a branch to complete your application.
BillR
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.
joannie
19 April 2012 at 12:30 pm
Beacon Federal does not allow people from Texas to join and have the high checking account.
Maria
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.
Wendy
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.
kevin
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.
Salome
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.
Smarterthanyou
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
Veteran
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.
chris
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
Kathy
14 September 2011 at 1:55 pm
Adams Bank and Trust has offices in Colorado and Nebraska, currently paying 2.50% APY.
cindy
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
Wayland
1 September 2011 at 8:28 am
LMCU is changing their rate: Rate change effective 10/1/11 to 3.0% APY.
wayland
1 September 2011 at 8:12 am
First State Bank (first-state.net) is only accepting applications from residents of Tennessee.
ek
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
Seth
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.
Creighton
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
KayT9
17 July 2011 at 4:23 am
The Farmers Citizens Bank is currently only accepting applications from residents of Ohio.
dennis
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.
Mario
30 June 2011 at 5:28 pm
Farmers Citizens Bank In Ohio, It's Kasas Kash Checking Account is only Avalable to Ohio Residents.
Rick
29 June 2011 at 7:35 am
Seems like southern bank might be lying. how can they give such a good rate?
Sowega
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
Debbie
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.
fred
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.
Tim
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
Henry
17 April 2011 at 2:07 pm
Union Square FCU (Wichita) is offering (4.51%, $25k) Premier Checking!
Danny
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.
Leah
7 March 2011 at 8:03 am
Are there any banks in NC with interest-yielding checking accounts? Thanks!
ejk
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.
Lisa
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.
Luci
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.
Richard
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.
Lee
13 January 2011 at 5:39 am
Midwest Federal Credit Union paying well over 2% on checking up to balance of $25K
janine
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.
Tanya
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.
Len
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!!!!!
Josh
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.
James
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
Ryan
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%
Beatrice
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/
Charlie
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.
Jeremy
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
Joe
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
Skipper
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/
Sak
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)
MFattore
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)
Chrissy
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).
Midav
10 September 2009 at 7:22 pm
Farmers Bank and Trust requires personal visit to one of their branches.
R.W.Sewell
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
james
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.
Ryan
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
Michael
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.
Marissa
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).
mary
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).
Beverly
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?
maria
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.
Wes
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