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 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 |
|---|---|---|---|---|
| Pelican State Credit Union Rates as of Sep. 2nd | Louisiana | 5.01% | up to $30,000 | 15 debit card transactions - electronic statements - 1 direct deposit or receive payroll deduction - access account online - membership required - e-Xtra Bonus Checking |
| CharterBank Rates as of Sep. 2nd | Alabama, Georgia | 5.01% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - online banking - REWARDSChecking |
| Southern Bank Rates as of Sep. 2nd | Missouri, Arkansas | 5.01% | up to $25,000 | 12 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - Kasasa Cash |
| Saginaw Medical Federal Credit Union Rates as of Sep. 2nd | Michigan | 5.00% | 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. |
| Randolph Bank Rates as of Sep. 2nd | North Carolina | 4.75% | up to $25,000 | 12 point of sale card transactions (minimum $5, ATM transactions not included) - electronic statements - 1 direct deposit or auto ACH or Bill Pay - Extra-Mile Choice - Limited to North Carolina customers only- contact bank online for account opening instructions |
| First Federal Bank Rates as of Sep. 2nd | North Carolina | 4.50% | up to $25,000 | 10 Debit card purchases - direct deposit or ACH - Reward Checking |
| North Carolina Bank and Trust Rates as of Sep. 2nd | North Carolina | 4.25% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - Mad Money Checking |
| First State Bank (first-state.net) Rates as of Sep. 2nd | Tennessee | 4.25% | up to $25,000 | 12 debit purchases - electronic statements - 1 direct deposit or auto ACH debit - First Reward Checking |
| Reliabank Rates as of Sep. 2nd | South Dakota | 4.07% | up to $25,000 | Ultimate Checking-12 debit card purchases, one direct deposit/ACH, enroll |
| Bank of The Valley Rates as of Sep. 2nd | Nebraska | 4.07% | up to $20,000 | 10 check card, used as credit card, transactions - electronic statement - 1 direct deposit - Bonus Checking |
| Farmers Bank and Trust Rates as of Sep. 2nd | Arkansas | 4.01% | 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 |
| NBRS Financial Bank Rates as of Sep. 2nd | Maryland | 4.01% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH, access online banking monthly. Must sign final paperwork in person. |
| The East Carolina Bank Rates as of Sep. 2nd | North Carolina | 4.01% | up to $25,000 | 10 debit card transations - electronic statements - 1 direct deposit or auto ACH or online bill pay |
| First Clover Leaf Bank Rates as of Sep. 2nd | Open to all states | 4.01% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - 3 online bill payments - My Great Rate Checking |
| Capital Bank Rates as of Sep. 2nd | North Carolina | 4.01% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - Smart Checking |
| Danversbank Rates as of Sep. 2nd | Open to all states | 4.01% | up to $25,000 | 12 debit card transactions (excluding ATM) - electronic statements - access online banking - direct deposit or ACH - Free Rewards Checking - open online - Bank located in Massachusetts |
| Bank2 Rates as of Sep. 2nd | Oklahoma | 4.01% | up to $25,000 | 10 check card purchases - 1 ACH or EFT direct deposit - electronic statements - access online banking - Great Rate Checking-available only to Oklahoma residents. |
| Grand Bank Rates as of Sep. 2nd | New Jersey | 4.01% | up to $25,000 | 10 point of sale purchases - 1 direct deposit or ACH auto debit - electronic statements - Free Rewards Checking |
| First Security Bank Rates as of Sep. 2nd | Iowa | 4.01% | up to $25,000 | 10 debit card transactions - electronic statements - direct deposit or ACH - Rewards Checking |
| Georgia Bank and Trust Rates as of Sep. 2nd | Georgia | 4.01% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or ACH or bill pay - Local service areas only |
| Southern Bank and Trust Rates as of Sep. 2nd | South Carolina | 4.01% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or ACH or bill pay - Local service areas only |
| Flora Bank Rates as of Sep. 2nd | Illinois | 4.01% | 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 |
| South Division Credit Union Rates as of Sep. 2nd | Open to all states | 4.01% | 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 |
| First National Bank of McMinnville Rates as of Sep. 2nd | [Open to all states] | 4.01% | up to $50,000 | 10 debit purchases - electronic statements - 1 direct deposit or auto ACH debit - Free First Reward Checking |
| AmericaNet Bank Rates as of Sep. 2nd | Open to all states | 4.00% | up to $10,000 | 10 check/debit card transactions - electronic statements - Rewards Checking |
| All America Bank Rates as of Sep. 2nd | Oklahoma | 4.00% | up to $10,000 | 10 check/debit card transactions - electronic statements - Ultimate Rewards - Better Than Free Checking |
| Bank of the Wichitas Rates as of Sep. 2nd | Oklahoma | 4.00% | up to $10,000 | 10 Visa CheckCard sales transactions, electronic statements |
| ViewPoint Bank Rates as of Sep. 2nd | Texas | 4.00% | up to $50,000 | Absolute Checking - 1 direct deposit or actively use free online bill pay, electronic statements, 15 purchases using Absolute Checking Visa Check Card - apply online - limited to residents of Texas |
| Cambridge Savings Bank Rates as of Sep. 2nd | Massachusetts | 4.00% | up to $25,000 | 15 - 20 debit card transactions (under 20 transactions a $5/mo fee will be imposed) - electronic statements - 1 direct deposit - $10 minimum balance for rate - limited to market area-SuperSmart Checking |
| Bank of Little Rock Rates as of Sep. 2nd | Arkansas | 3.75% | up to $15,000 | 10 debit card transactions - electronic statements - at least one direct deposit or ACH auto debit - Kasasa Cash - |
| The First National Bank of Wynne Rates as of Sep. 2nd | Arkansas | 3.55% | up to $25,000 | 10 VISA check card transactions, electronic statements, 1 direct deposit or ACH auto debit |
| Kansas State Bank Rates as of Sep. 2nd | Kansas | 3.55% | 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 |
| Crossroads Bank (crossroadsbank.com) Rates as of Sep. 2nd | 3.55% | up to $0 | 20 VISA debit card transactions - electronic statements - account must be opened in person in Effingham, IL - Effingham First Checking | |
| Royal Banks of Missouri Rates as of Sep. 2nd | Missouri | 3.51% | up to $24,999 | 10 check/debit card transactions - electronic statements - 1 direct deposit and/or ACH - Majestic Checking - Missouri residents only |
| Bank of Ripley Rates as of Sep. 2nd | Tennessee | 3.51% | up to $25,000 | 10 Debit Card transactions - receive electronic statements - access Online Banking - Reward Checking |
| Cross County Bank Rates as of Sep. 2nd | Arkansas | 3.51% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or one ACH auto debit - Arkansas residents only - The Most Checking |
| First Robinson Savings Bank Rates as of Sep. 2nd | Indiana, Illinois | 3.51% | up to $15,000 | 10 debit card transactions - electronic statements - 1 online bill payment or 3rd party electronic payment - account available in Illinois and Indiana market area - Kasasa Cash |
| Focus Bank Rates as of Sep. 2nd | Missouri and Arkansas | 3.51% | up to $25,000 | 10 check/debit card transactions - electronic statements - access online banking - MAXimum Free Checking |
| Lake City Bank Rates as of Sep. 2nd | Indiana | 3.51% | up to $50,000 | 8 check/debit card transactions-electronic statements-one direct deposit/auto ACH |
| Fishback Financial Corporation Rates as of Sep. 2nd | South Dakota, Minnesota | 3.51% | up to $24,999 | 10 purchases with Visa Check Card - 1 direct deposit or 1 automatic payment - electronic statements - easyGROWChecking |
| First Bank and Trust Rates as of Sep. 2nd | Open to all states | 3.51% | up to $25,000 | 10 check/debit card transactions-1 direct deposit or auto ACH payment-electronic statements-Easy Grow Checking |
| Farmers State Bank (farmersstatebankmn.com) Rates as of Sep. 2nd | Minnesota | 3.51% | up to $25,000 | 10 Shazam Check Card purchases (ATM withdrawals do not qualify) - 1 automatic payment/transfer or direct deposit - access online banking - electronic statements - Free e-Checking |
| Southeast National Bank Rates as of Sep. 2nd | Illinois | 3.50% | up to $20,000 | Free Reward Checking - 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit |
| The First National Bank of Dieterich Rates as of Sep. 2nd | Illinois | 3.50% | up to $25,000 | Prime Rewards Checking - 10 debit card transactions, electronic statements, access online banking. Limited to residents of Eastern Illinois only. |
| Opportunity Bank Rates as of Sep. 2nd | Texas | 3.50% | up to $25,000 | 10 check/debit card transactions-electronic statements-one direct deposit or ACH auto-debit-access-online banking monthly |
| First Arkansas Bank & Trust Rates as of Sep. 2nd | Arkansas | 3.50% | up to $35,000 | 10 debit card transactions - electronic statements - 1 direct deposit - auto ACH debit or online bill paymen - 1 log-in to online banking - Arkansas residents only - Kasasa Cash |
| WestField Bank FSB Rates as of Sep. 2nd | Open to all states | 3.50% | 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 |
| Community West Bank Rates as of Sep. 2nd | California | 3.49% | up to $25,000 | 10 debit card transactions - electronic statements - at least one direct deposit - Great Rate Checking |
| MidwestOne Bank Rates as of Sep. 2nd | Iowa | 3.35% | up to $25,000 | Power Checking - 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
| Provident Community Bank Rates as of Sep. 2nd | South Carolina | 3.35% | up to $30,000 | Provident Dream checking. 10 debit card purchases - electronic statements - 1 direct deposit or 1 ACH - online banking - must apply in person - local market area only - Dream Checking |
| Coulee Bank Rates as of Sep. 2nd | Wisconsin | 3.33% | up to $25,000 | 10 debit card transactions - electronic statements - at least one direct deposit - Rewards checking |
| Heartland Community Bank Rates as of Sep. 2nd | Arkansas | 3.25% | up to $30,000 | 10 check/debit card transactions-electronic statements-one direct deposit or auto ACH debit-access online banking-Interest Plus Checking Account |
| Tioga State Bank Rates as of Sep. 2nd | New York | 3.25% | 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 |
| Cross Keys Bank Rates as of Sep. 2nd | Louisiana | 3.25% | up to $25,000 | 12 check card purchases - 1 auto pay or direct deposit transfer - electronic statements - enroll/access internet banking - Gold Key Rewards |
| Coleman County State Bank Rates as of Sep. 2nd | Texas | 3.25% | up to $25,000 | 10 check card transactions - direct deposit or automatic payment - electronic statements |
| Ouachita Independent Bank Rates as of Sep. 2nd | Louisiana | 3.15% | up to $25,000 | 12 check/debit card transactions-electronic statements-one direct deposit or auto ACH-OIB Reward Checking |
| Bank of the Sierra Rates as of Sep. 2nd | California, West Virginia | 3.09% | 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 |
| Consumers Credit Union Rates as of Sep. 2nd | Illinois | 3.09% | up to $25,000 | 12 debit card transactions - electronic statements - 1 direct deposit OR 1 auto ACH payment OR 1 online bill pay - enroll in online banking - Rewards Checking |
| Farmers and Merchants National Bank Rates as of Sep. 2nd | [Open to all states] | 3.09% | up to $20,000 | 10 debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - Hometown Advantage |
| Bank of Blue Valley Rates as of Sep. 2nd | Kansas | 3.05% | up to $25,000 | 12 check/debit card transactions - 1 direct deposit or auto ACH payment - Must open account in person - Performance Checking |
| M&F Bank Rates as of Sep. 2nd | Mississippi, Tennessee, Alabama, Florida | 3.05% | up to $0 | 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 |
| Citizens Bank Minnesota Rates as of Sep. 2nd | Minnesota | 3.05% | up to $25,000 | 10 check card transactions - electronic statements - at least one direct deposit or one automatic payment - WooHoo Checking |
| Dedham Savings Rates as of Sep. 2nd | Massachusetts | 3.04% | up to $25,000 | 12 debit card transactions - electronic statements - direct deposit or ACH - Free Reward Checking |
| First National Community Bank (FNCB) Rates as of Sep. 2nd | Pennsylvania | 3.04% | up to $25,000 | ME - Maximum Earnings Account, 10 Visa check card purchases, electronic statements, 1 direct deposit or 1 automatic payment |
| Community National Bank Rates as of Sep. 2nd | Tennessee | 3.04% | up to $25,000 | 12 MasterCard debit card purchases - 1 direct deposit or automatic payment - electronic statements - Community Rewards Checking |
| Bank of Charles Town Rates as of Sep. 2nd | [Open to all states] | 3.04% | up to $25,000 | 12 transactions with debit card (not including ATM withdrawals) - electronic statements - 1 ACH direct deposit or direct debit - log on to BCT's NetTeller once - must open account in person at branch - BCT Smart Checking |
| New Mexico Bank & Trust Rates as of Sep. 2nd | New Mexico | 3.03% | 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 Sep. 2nd | Montana | 3.03% | up to $20,000 | Cash Rewards Checking. 15 check/debit card transactions-electronic statements-direct deposit- Accounts from local service areas only |
| Arizona Bank and Trust Rates as of Sep. 2nd | Arizona | 3.03% | up to $20,000 | 15 check/debit card transactions - electronic statements - 1 direct deposit - Local service areas only - Cash Rewards Checking |
| Peoples Bank (pbbanking.com) Rates as of Sep. 2nd | Tennessee | 3.02% | up to $25,000 | 10 debit card transactions, 1 direct deposit or ACH payment, receive e-statements |
| Liberty Bank Rates as of Sep. 2nd | Illinois | 3.01% | up to $25,000 | 15 check/debit card transactions-electronic statements-1 direct deposit or ACH-1 bill pay-eSmart Checking |
| Keystone Bank Rates as of Sep. 2nd | Alabama | 3.01% | up to $25,000 | 10 MasterCard Debit Card purchases-electronic statements-one direct deposit/auto ACH-Keystone Checking Rewards |
| Community First Banking Company Rates as of Sep. 1st | Missouri | 3.01% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - Free Reward Checking |
| Montgomery Bank Rates as of Sep. 2nd | 3.01% | 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 | |
| Legence Bank Rates as of Sep. 2nd | Indiana, Illinois | 3.01% | 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 |
| Sutton Bank Rates as of Sep. 2nd | Ohio | 3.01% | up to $25,000 | 11 check card transactions, 1 direct deposit or ACH auto-debit, electronic statements |
| Bank of Idaho Rates as of Sep. 2nd | Idaho | 3.01% | up to $25,000 | 10 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - Idaho market area only - Kasasa Cash |
| Bank 1440 Rates as of Sep. 2nd | Arizona | 3.01% | up to $25,000 | 10 check/debit card transations - electronic statements - 1 direct deposit or auto ACH - Must complete in person - Optimum Checking |
| 1st National Bank (firstnationalbanks.biz) Rates as of Sep. 2nd | Wisconsin | 3.01% | up to $25,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - Must apply in person at a branch in Central Wisconsin - 1st Rewards Checking |
| The Provident Bank Rates as of Sep. 2nd | New Jersey | 3.01% | up to $25,000 | Free Smart Checking - 10 POS purchases, 1 direct deposit or 1 automatic ACH debit, electronic statements |
| Bank Gloucester Rates as of Sep. 2nd | [Open to all states] | 3.01% | up to $25,000 | 10 debit card purchases - electronic statements - 1 direct deposit or auto payment - Reward Checking |
| Kanza Bank Rates as of Sep. 2nd | Kansas | 3.00% | up to $25,000 | 12 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - KanzaRewards Checking |
| Greater Rome Bank Rates as of Sep. 2nd | Georgia | 3.00% | up to $15,000 | 10 debit card transactions - electronic statements - one direct deposit or ACH payment - Reach Your Peak Checking |
| Legacy Bank Rates as of Sep. 2nd | Oklahoma | 3.00% | up to $50,000 | 12 debit/check card transactions-electronic statements-direct deposit-Win/Win Checking |
| Southern Community Bank and Trust Rates as of Sep. 2nd | North Carolina | 3.00% | up to $25,000 | ME Banking - 10 debit card transactions, electronic statements, at least direct deposit or automatic draft |
| First Community Bank (fcbresource.com) Rates as of Sep. 2nd | West Virginia, Virginia, North Carolina, Tennessee | 3.00% | up to $25,000 | 12 debit card point of sale transactions - electronic statements - 1 direct deposit - Backbone High Yield Checking |
| United Financial Credit Union Rates as of Sep. 2nd | Michigan | 3.00% | 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 |
| Westbury Bank Rates as of Sep. 2nd | Wisconsin | 2.75% | up to $50,000 | 10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - access online banking - Wisconsin residents only - Ideal Checking |
| Bank of Fayetteville Rates as of Sep. 2nd | Arkansas | 2.75% | up to $50,000 | 10 VISA check card transactions - electronic statements - 1 direct deposit or ACH payment - sign on to online banking - Smart Checking |
| Solvay Bank Rates as of Sep. 2nd | New York | 2.75% | up to $15,000 | 12 debit card transactions - electronic statements - 1 direct deposit - must be resident of Onondaga County |
| Kennebec Federal Savings Rates as of Sep. 2nd | Maine | 2.53% | up to $50,000 | 10 debit card purchases-electronic statements, one direct deposit or ACH-Only available to residents of Maine-KFS Rewards Checking |
| Pacific Resource Credit Union Rates as of Sep. 2nd | California | 2.53% | up to $25,000 | 10 check/debit card transactions per cycle-electronic statements-1 direct deposit or ACH-High Flying Checking- P.R.C.U. accounts are available to anyone who regularly works, resides, worships, or attends school in metro Los Angeles, Carson, Cerritos, Cypress, La Palma, Lakewood, or Torrance, California. |
| Haverhill Bank Rates as of Sep. 2nd | Massachusetts | 2.53% | 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. |
| CoreFirst Bank and Trust Rates as of Sep. 2nd | Kansas, Colorado | 2.53% | up to $25,000 | 10 Visa check card (signed) transactions - electronic statements - 1 direct deposit - 2 online bill payment or ACH debit |
| Community Bank of Pleasant Hill Rates as of Sep. 2nd | Missouri | 2.51% | up to $25,000 | 10 POS debit card transactions - at least one ACH direct deposit or ACH auto debit - electronic statement - Rewards Checking |
| State Bank of Toledo Rates as of Sep. 2nd | Ohio | 2.51% | up to $70,000 | Hometown Reward Checking - 10 debit card transactions, electronic statements, at least one direct deposit |
| Reliant Bank Rates as of Sep. 2nd | Tennessee | 2.51% | up to $50,000 | Clearly Better Rewards Checking - 10 debit card transactions (excluding ATM withdrawals), 3 bill pay transactions, access online banking, 1 deposit or ACH debit, electronic statements |
| Beacon Bank Rates as of Sep. 2nd | Open to all states | 2.51% | 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 |
| Page Valley Bank Rates as of Sep. 2nd | Virginia | 2.50% | up to $25,000 | 10 VISA check/debit card transactions-electronic statements-1 direct deposit or auto ACH-Geographic Restrictions - Contact bank for details. |
| Noble Bank and Trust Rates as of Sep. 2nd | Alabama | 2.50% | up to $25,000 | 12 check/debit card transactions-electronic statements-one direct deposit or auto ACH debit-Noble Horizons Rewards Checking |
| United Federal Credit Union Rates as of Sep. 2nd | Arkansas, Michigan, Nevada, North Carolina, Ohio | 2.50% | up to $25,000 | 10 check/debit card transactions, 1 direct deposit or 1 auto ACH - electronic statements - rates may vary by location - Interest Plus Checking |
| Lee County Bank and Trust, NA Rates as of Sep. 2nd | [Open to all states] | 2.50% | up to $25,000 | 10 debit card purchases - electronic statements - 1 direct deposit or auto payment - access online banking - Big Account Reward Checking |
| North Middlesex Savings Bank Rates as of Sep. 2nd | Massachusetts | 2.28% | up to $50,000 | Max Checking - 12 debit card transactions, electronic statements, 1 direct deposit. Must live within market area to open an account. |
| Rollstone Bank and Trust Rates as of Sep. 2nd | Massachusetts | 2.25% | up to $50,000 | 10 check/debit card transactions-electronic statements-direct deposit of payroll, pension, or social security payments-All In One Checking |
| Southbridge Savings Bank Rates as of Sep. 2nd | Massachusetts | 2.25% | up to $50,000 | Key Rewards Checking Bonus - 10 debit card POS transactions, electronic statements, at least one direct deposit or ACH auto debit |
| BankNewport Rates as of Sep. 2nd | Rhode Island, Massachusetts | 2.01% | 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 |
| NewPortFed Rates as of Sep. 2nd | Rhode Island | 1.75% | up to $50,000 | 10 check/debit card transactions-electronic statements-one direct deposit or auto ACH-e-Loop Checking |
| State National Bank of Texas Rates as of Sep. 2nd | Texas | 1.50% | up to $100,000 | Premium e-checking. 15 Visa Check Card purchases, 1 ACH direct deposit or debit, electronic statements, 1 online bill payment |
| Home State Bank Rates as of Sep. 2nd | Colorado | 1.35% | up to $25,000 | 10 check/debit card transactions-electronic statements-one direct deposit or auto ACH-Hometown Rewards Checking |
| First State Bank (fsbfrankston.com) Rates as of Sep. 2nd | Open in all states | 1.35% | up to $25,000 | 10 check card transactions - electronic statement - 1 direct deposit or automatic payment - Located in Texas - Reward Checking |
| First City Bank (firstcitybank.com) Rates as of Sep. 2nd | Florida | 1.01% | up to $0 | 10 check/debit card transactions - electronic statements - 1 direct deposit or posted ACH debit - online banking - Located in Florida - Available in Santa Rosa, Okaloosa and Walton Counties - Rewards Checking |
| Heritage Community Bank Rates as of Sep. 2nd | 0.85% | up to $25,000 | 10 check/debit card transactions-electronic statements-one direct deposit or auto ACH debit-access online banking once monthly | |
| First East Side Savings Bank Rates as of Sep. 2nd | Florida | 0.80% | up to $25,000 | 10 debit card transactions - 1 direct deposit and electronic statements - Reward Checking |
| Monroe Bank and Trust Rates as of Sep. 2nd | Michigan | 0.75% | up to $25,000 | 15 check/debit card transactions-electronic statements-receive e-mail reminders-at least one direct deposit of a payroll check or retirement check-MBT Ultra High Interest Performance Checking |
| Premier Bank Rates as of Sep. 2nd | Florida | 0.71% | up to $50,000 | APY on balances up to $49,999.99, 10 check/debit card transactions-electronic statements-one direct deposit/auto ACH |
| Charter Bank Rates as of Sep. 2nd | New Mexico | 0.25% | up to $50,000 | 10 check card transactions - electronic statements - at least one direct deposit - access online activity at least once - Turbo Checking |
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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. Rates are subject to change without notice and may not be the same at all branches. To promote rates as part of this rate table, contact adrates@moneyrates.com
Best Checking Accounts found by users like you
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39 Responses to " Best Checking Accounts found by users like you "
| 1 | Kim OQuinn says on 2010-07-31 (Houston, TX) Texas Gulf Bank - www.texasgulfbank.com - Gulf Advantage Checking pays 3.04% on balances up to 25K. |
| 2 | Jeremy says on 2010-07-08 (Wauseon, OH) 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) |
| 3 | Nancy Goodenow says on 2010-07-05 (Madras, OR) . 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 |
| 4 | Drew Brownlee says on 2010-06-25 (New Orleans, OH) 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 |
| 5 | Joe says on 2010-06-25 (Chicago, IL) 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 |
| 6 | John Doe says on 2010-06-09 (NY, CA) 3.51% APY on balances up to $50K at Farmers |
| 7 | Skipper says on 2010-05-15 (Kill Devil Hills, NC) 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. |
| 8 | Rita Dolan says on 2010-05-15 (Largo, FL) 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 |
| 9 | K Smoker says on 2010-05-14 (Aiken, GA) 4.01% APY http://www.southernbandt.com/ |
| 10 | Sak says on 2010-05-11 (cambridge, MA) 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) |
| 11 | MFattore says on 2010-05-10 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) |
| 12 | Chrissy says on 2010-05-10 (Syracuse, NY) 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! |
| 13 | MoneyRates team says on 2009-12-11 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). |
| 14 | Midav says on 2009-09-10 (Newton, MA) Farmers Bank and Trust requires personal visit to one of their branches. |
| 15 | R.W.Sewell says on 2009-09-04 Look at this bank checking program, 5.01% at Community Bank of Pickens County, Georgia. there web site: http://www.cbopc.com |
| 16 | S. E . Wallace says on 2009-09-01 (Flippin, AR) Everbank online FDIC 2.51 for first 3 mos |
| 17 | Dee Dlscha says on 2009-09-01 (san francisco, CA) FYI Kansas State Bank requires signing documents IN PERSON. They do not mail out documents for you to sign |
| 18 | Dee Dlscha says on 2009-09-01 (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. |
| 19 | Chana Lambertz says on 2009-08-30 (Yankton, SD) Easygrow checking 4.01 apy. |
| 20 | Rate chaser says on 2009-08-28 (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. |
| 21 | tom ramsey says on 2009-08-24 (denver, CO) liberty bank |
| 22 | james says on 2009-08-11 (goleta, CA) Bank of america has 0.9% |
| 23 | L Costilow says on 2009-08-10 (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. |
| 24 | Sharon Mead says on 2009-08-10 (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. |
| 25 | Ryan says on 2009-08-04 (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. |
| 26 | Brad Moore says on 2009-07-23 (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 |
| 27 | Michael says on 2009-07-13 (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. |
| 28 | Marissa says on 2009-07-10 (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 |
| 29 | Michael Clanton says on 2009-07-08 (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). |
| 30 | mary says on 2009-07-06 (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). |
| 31 | Beverly says on 2009-07-06 (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. |
| 32 | Charles Weber says on 2009-07-04 (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 |
| 33 | steve schexnayder says on 2009-06-30 (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 |
| 34 | Farmers State Bank says on 2009-06-26 (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. |
| 35 | Martha Smith says on 2009-06-26 (Anderson, SC) Are there any Kasasa banks in my area? If so, where? |
| 36 | maria says on 2009-06-25 (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 |
| 37 | mike thompson says on 2009-06-24 (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** |
| 38 | Jeff Bacso says on 2009-06-22 (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. |
| 39 | Wes says on 2009-06-18 (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 |
