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.

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Full List of Banks

InstitutionStateAPYAPY LimitMonthly Requirements
Consumers Credit Union
Rates as of Aug. 27th
Open to all states5.09%up to $10,00012 debit card transactions - electronic statements - 1 direct deposit OR 1 auto ACH payment OR 1 online bill pay - enroll in online banking - spend $1000 or more in CCU VISA purchase transactions, regardless of the number of purchases - apply online - membership required, open to all - APY of 3.09% or 4.09% available with varying conditions met (see website for details) - Free Rewards Checking
Pelican State Credit Union
Rates as of Aug. 27th
Louisiana4.01%up to $10,00015 check card transactions per cycle - electronic statements - at least 1 direct deposit, online bill payment, or automatic debit (ACH) - access account online - membership required - Kasasa Cash
Home Federal Bank Corp
Rates as of Aug. 27th
Louisiana4.00%up to $20,00015 signature debit card transactions - electronic statements with check images - direct deposit of at least $500 - maintain $250 minimum balance - Must complete one ACH debit for any amount - Smart Rewards Checking
Florida Central Credit Union
Rates as of Aug. 27th
Florida3.25%up to $5,00012 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 1.75% APY - Ultimate Checking
Treynor State Bank
Rates as of Aug. 27th
Iowa3.01%up to $10,00015 POS debit transactions must post and clear account per qualification cycle - electronic statements - 1 direct deposit ,ACH auto debit, or online bill payment per cycle - Iowa market area only -Kasasa Cash
Money One Federal Credit Union
Rates as of Aug. 27th
Maryland3.01%up to $10,00010 POS debit card transactions - electronic statements - 1 direct deposit or automatic ACH payment post and clear each cyle - log into online banking at least once per cycle - Kasasa Cash
Ouachita Independent Bank
Rates as of Aug. 27th
Louisiana 3.01%up to $15,00012 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - available to Lousiana and surrounding state's residents - OIB Reward Checking
Southern Bank
Rates as of Aug. 27th
Missouri, Arkansas3.01%up to $15,00012 check card purchases - electronic statements - 1 direct deposit or auto ACH - Open only to residents of local Missouri and Arkansas market area - Kasasa Cash
SAC Federal Credit Union
Rates as of Aug. 27th
Nebraska, Iowa3.01%up to $10,00012 debit card transactions - electronic statements -1 direct deposit- membership limited to people living, worshiping, or working in Sarpy, Douglas, and Cass Counties in Nebraska or Pottawattamie County in Iowa - High Yield Checking
Lake Michigan Credit Union
Rates as of Aug. 27th
Open to all states3.00%up to $15,00010 debit card purchases per month - electronic statements - direct deposit into any LMCU account - minimum of 4 logins to home banking per month - Max Checking
Peoples Bank (thefriendlybank.com)
Rates as of Aug. 27th
Louisiana3.00%up to $15,00015 debit card purchases post and settle per statement cycle - electronic statements - 1 automatic debit (ACH) or credit post and settle each statement cycle - be enrolled and log into online banking - Available in Louisiana - Kasasa Cash
First Financial Bank (ffb1.com)
Rates as of Aug. 27th
Arkansas, Mississippi3.00%up to $15,00012 debit card purchases post and clear - electronic statements - online banking at least once per month - Limited to local market areas - Kasasa Cash Account
Great Lakes Credit Union
Rates as of Aug. 27th
Illinois3.00%up to $10,00010 debit card purchases per statement cycle - electronic statements - 1 direct deposit of at least $500 - pay 1 online bill pay per month or login to mobile banking once per month - Ultimate Checking
Inova Federal Credit Union
Rates as of Aug. 27th
Nationwide3.00%up to $20,00015 signature-based debit card purchase transactions per month - electronic statements - minimum $200 monthly direct deposit - must maintain a minimum daily balance of $1,500 - Ovation Checking
UniWyo Federal Credit Union
Rates as of Aug. 27th
Wyoming, Colorado2.99%up to $15,00010 monthly debit card transactions of at least $5 each - electronic statements - 1 direct deposit - aggregate deposit/loan balance of at least $5,000 - available to Wyoming and Colorado Front Range residents of select employer groups - Xtraordinary Checking
DuPont Community Credit Union
Rates as of Aug. 27th
VA2.78%up to $25,00015 debit card transactions - electronic statements - $250 minimum amount of debit transactions monthly - 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
Coulee Bank
Rates as of Aug. 27th
IA, MN, WI2.55%up to $15,00010 debit card transactions per qualification cycle - electronic statements - 1 direct deposit or automatic payment - be enrolled and log into online banking at least once per cycle - must be a resident of Wisconsin, Minnesota or Iowa - Kasasa Cash
Washington Savings Bank
Rates as of Aug. 27th
Massachusetts and New Hampshire2.53%up to $10,00012 debit card purchases post and clear - Electronic statements - At least 1 automatic payment, direct deposit, or bill pay post and clear - Limited to MA and NH market area - Interest Rewards Checking
Belvoir Federal Credit Union
Rates as of Aug. 27th
Mississippi2.53%up to $15,00015 debit card purchases and/or electronic bill payments cleared/posted each statement cycle - electronic statements - 1 direct deposit ($500 minimum) - log in to BOB (Belvoir Online Banking) or mobile banking - CUXcel Checking
Union Square Federal Credit Union
Rates as of Aug. 27th
Texas2.51%up to $10,00012 debit card purchases - electronic statements - 1 direct deposit or ACH - access online banking - membership is open to persons who live or work in Witchita County, Texas - Premier Checking Account
American Bank and Trust
Rates as of Aug. 27th
South Dakota2.51%up to $10,00012 check card purchases post and settle monthly - electronic statements - 1 automatic payment (ACH) post and settle monthly - Account includes refunds of up to $20 in monthly ATM fees - Kasasa Cash
Roundbank
Rates as of Aug. 27th
Minnesota2.50%up to $10,00012 check card point-of-sale transactions - electronic statements - access internet banking once per qualification cycle - Minnesota - Kasasa Cash
Greater Nevada Credit Union
Rates as of Aug. 27th
Nevada2.50%up to $10,00015 debit card purchases post and clear - electronic statements - 1 Direct Deposit post and clear - must be a member - for current members only - We Aspire Checking
Capital Educators Federal Credit Union
Rates as of Aug. 27th
Idaho2.50%up to $10,00012 debit card purchases - electronic statements - 1 direct deposit or auto ACH - membership available to Idaho residents - High Yield Checking
Lee Bank
Rates as of Aug. 27th
Massachusetts2.50%up to $15,00012 debit card purchases post and settle per qualification period - electronic statements - 1 direct deposit or automatic payment (ACH) post and settle - ATM fee refunds (up to $25) - Kasasa Cash Checking
The First National Bank of Dieterich
Rates as of Aug. 27th
Illinois 2.31%up to $25,00010 POS debit card transactions - electronic statements - access online banking - Limited to residents of Eastern Illinois only - Prime Rewards Checking
Altra Federal Credit Union
Rates as of Aug. 27th
Wisconsin, Minnesota, Texas, Tennessee2.25%up to $15,00010 check/debit card transactions - electronic statements - 1 direct deposit - 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 - A Plus Checking
BankTexas
Rates as of Aug. 27th
Texas2.25%up to $7,00010 debit card purchases per statement cycle - electronic statements - 1 direct deposit or ACH debit - Kasasa Cash
Southeast National Bank
Rates as of Aug. 27th
Illinois, Iowa2.25%up to $10,00010 debit card transactions(excluding ATM Transactions) - electronic statements - 1 direct deposit or ACH auto debit - Free Reward Checking
Bank of Little Rock
Rates as of Aug. 27th
Arkansas2.25%up to $10,00010 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - available only to residents of Arkansas - Kasasa Cash
Keystone Bank
Rates as of Aug. 27th
Alabama2.15%up to $25,00010 debit card purchases - electronic statements - 1 direct deposit or auto ACH - Keystone Cash Checking Rewards
Cross Keys Bank
Rates as of Aug. 27th
Louisiana2.05%up to $10,00012 check card purchases - 1 auto pay or direct deposit transfer - electronic statements - enroll/access internet banking - Gold Key Rewards
Crossroads Bank (crossroadsbank.com)
Rates as of Aug. 27th
IL2.05%up to $30,00020 VISA debit card transactions - electronic statements - account must be opened in person in Effingham, IL - Effingham First Checking
Security Bank (securitybankok.com)
Rates as of Aug. 27th
Oklahoma2.05%up to $15,00010 check card purchases post and settle per qualification cycle - electronic statements - 1 direct deposit or automatic payment (ACH) post and settle each qualification cycle - nationwide ATM fee refunds - Security Bonus Checking
First New England Federal Credit Union
Rates as of Aug. 27th
Connecticut2.02%up to $15,00012 debit card purchases posted and cleared per qualification cycle - enroll in eServices (includes electronic statement, home banking (not bill pay), and eNews sign up) - 1 monthly direct deposit or one ACH automatic debit posted and cleared per qualification cycle - Stated APY is for Relationship Account members - a lower APY applies for general members - Rewards Checking
Farmers Bank and Trust
Rates as of Aug. 27th
Arkansas, Texas2.01%up to $25,00010 check card transactions - electronic statements - 1 direct deposit or ACH auto debit, - access online banking - Arkansas, Texas, Louisiana, Mississippi, Tennessee, Missouri and Oklahoma.residents only - must open account in person - True Rewards Checking
Montgomery Bank
Rates as of Aug. 27th
Missouri2.01%up to $15,00012 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - maintain vallid e-mail adress - Montgomery eBlue Checking Account
Cross County Bank
Rates as of Aug. 27th
Arkansas2.01%up to $15,00010 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 Aug. 27th
Indiana, Illinois 2.01%up to $15,00010 debit card transactions - electronic statements - 1 online bill payment, automatic payment or direct deposit- account available in Illinois and Indiana market area - Kasasa Cash
Bank2
Rates as of Aug. 27th
Oklahoma2.01%up to $15,00012 POS debit card purchases - electronic statements - 1 monthly direct deposit - Access online banking - Available only to Oklahoma residents - Great Rate Checking
Blue Ridge Bank
Rates as of Aug. 27th
Virginia2.01%up to $15,00010 Visa check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - Geographic Restrictions - Contact bank for details - Kasasa Cash
WestField Bank FSB
Rates as of Aug. 27th
Ohio2.01%up to $15,00012 Visa debit card purchases (excludes ATM transactions) - electronic statements - 1 direct deposit or auto ACH - Bank located in Ohio - account available nationwide - open online, signature cards by mail - Dream Big Checking
Wisconsin Bank and Trust
Rates as of Aug. 27th
Wisconsin2.01%up to $20,00015 signature-based debit purchases - direct deposit - online statements - Limited to Wisconsin market area only - Cash Rewards Checking
XCEL Federal Credit Union
Rates as of Aug. 27th
New Jersey, New York2.01%up to $15,00012 debit card purchases post and settle each qualification cycle - electronic statements - direct deposit required to open account, minimum $1,000 monthly or gross payroll - nationwide ATM fee refunds with qualifications - Kasasa Cash
Kanza Bank
Rates as of Aug. 27th
Kansas2.00%up to $25,00012 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - APY paid on balances up to $10,000 when qualifications are met - KanzaRewards Checking
Legacy Bank
Rates as of Aug. 27th
Oklahoma2.00%up to $25,00012 debit/check card transactions - electronic statements - direct deposit - Win/Win Checking
Southbridge Savings Bank
Rates as of Aug. 27th
Massachusetts2.00%up to $25,00010 debit card POS transactions - electronic statements - 1 direct deposit or ACH auto debit - Must meet Kasasa Cash requirements to receive bonus rates - Kasasa Saver must be linked to Kasasa Cash account. - Kasasa Cash Checking Bonus
Standing Stone National Bank
Rates as of Aug. 27th
OH2.00%up to $15,00012 debit card purchases post and settle - be enrolled and receive e-statement notice - be enrolled and log into online banking - serving only Lancaster and Fairfield County area Ohio - Kasasa Cash
Solvay Bank
Rates as of Aug. 27th
New York2.00%up to $15,00012 debit card transactions - electronic statements - 1 direct deposit - must be resident of Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego counties in the state of New York. - High Interest Checking.
TheBANK of Edwardsville
Rates as of Aug. 27th
IL2.00%up to $15,00015 debit card transactions - electronic statements - 1 online PayLink Bill Pay - IL market area only - TheCLUB Checking
Independent Bank
Rates as of Aug. 27th
Texas2.00%up to $25,00012 debit card transactions excludes ATM transactions, must be posted not pending - electronic statements - 1 ACH direct deposit or Auto Debit - Texas market area only - Free Rewards Checking
Kansas State Bank
Rates as of Aug. 27th
Kansas1.90%up to $25,00010 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 - Limited to Arizona and Kansas market area - Checking Plus
Royal Banks of Missouri
Rates as of Aug. 27th
Missouri1.85%up to $24,99912 Signature based transactions must be a minimum of $5.00 or Greater - electronic statements - 1 direct deposit and/or ACH - Missouri residents only - Majestic Checking
Sutton Bank
Rates as of Aug. 27th
Ohio1.77%up to $25,00011 check card transactions - electronic statements - 1 direct deposit or ACH auto-debit - apply online - Rewards Checking
Flora Bank
Rates as of Aug. 27th
Illinois1.76%up to $20,00010 check card transactions - electronic statements - one direct deposit or ACH auto debit - access online banking - account available to Illinois market area - First Reward Checking
ABCO Federal Credit Union
Rates as of Aug. 27th
New Jersey1.76%up to $25,00010 debit card purchases per statement cycle - electronic statements - 1 direct deposit or 1 direct debit (ACH) post each statement cycle - perform 1 transaction in online banking monthly - Premier Checking
Workers' Credit Union
Rates as of Aug. 27th
Massachusetts1.75%up to $25,00012 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
Citizens National Bank
Rates as of Aug. 27th
Open to all states1.75%up to $25,00012 check/debit card transactions - electronic statements - 1 direct deposit or direct debit - Local service areas only - open in branch - Rewards Checking
Connexus Credit Union
Rates as of Aug. 27th
WI1.75%up to $25,00015 debit card transactions - electronic statements - 1 ACH credit - 1 third party Bill Pay debit - limited to Connexus Credit Union members in Wisconsin - Xtraordinary Checking
Kennebec Federal Savings
Rates as of Aug. 27th
Maine1.65%up to $50,00015 debit card purchases - electronic statements - 1 direct deposit or ACH - available only to residents of Maine - KFS Rewards Checking
First Tech Federal Credit Union
Rates as of Aug. 27th
AR, CA, CO, DE, GA, ID, MA, NM, OR, PR, TX, WA1.58%up to $10,00012 debit card purchases each qualifying period - electronic statements - 1 direct deposit or 1 recurring ACH withdrawal per qualifying period - Dividend Rewards Checking
Provident Credit Union
Rates as of Aug. 27th
California1.56%up to $25,00010 debit card purchases per month - electronic statements and account notices - 1 direct deposit or automatic debit/credit (ACH) per month - ATM surcharge rebates - Super Reward Checking
Endura Financial Federal Credit Union
Rates as of Aug. 20th
Minnesota1.51%up to $25,00015 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- ELife Checking
Aspire Federal Credit Union
Rates as of Aug. 27th
New Jersey1.51%up to $10,00012 debit card purchases per statement cycle - electronic statements - 1 direct deposit or 1 electronic debit each statement cycle - Kasasa Cash
New Mexico Bank & Trust
Rates as of Aug. 27th
New Mexico 1.51%up to $20,00015 signature-based debit card transactions-electronic statements-one direct deposit or auto ACH-Accepting accounts only from local service areas. Cash Rewards Checking .
Rocky Mountain Bank
Rates as of Aug. 27th
Montana 1.51%up to $2015 or more signature-based purchases(Does not include ATM transactions ) - electronic statements-direct deposit- Accounts from local service areas only - Cash Rewards Checking
Arizona Bank and Trust
Rates as of Aug. 27th
Arizona1.51%up to $20,00015 check/debit card transactions - electronic statements - 1 direct deposit - Local service areas only - Earn 1.51% APY on balances up to $20,000 - Cash Rewards Checking
Focus Bank
Rates as of Aug. 27th
AR, MO1.51%up to $25,00010 check/debit card transactions - electronic statements - access online banking - MAXimum Free Checking
Citizens Bank Minnesota
Rates as of Aug. 27th
Minnesota 1.51%up to $15,00010 check card transactions - electronic statements - at least one direct deposit or one automatic payment -WooHoo! Checking
1st National Bank (firstnationalbanks.biz)
Rates as of Aug. 27th
Wisconsin1.51%up to $15,00010 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 Aug. 27th
New Jersey 1.51%up to $15,00010 debit purchases per month - electronic statements - 1 direct deposit or 1 automatic ACH debit -An interest rate of 0.50% with an APY ranging from 1.11% to 1.51% will be paid only for that portion of your daily balance that is more than $15,000, but less than or equal to $25,000 - Provident Smart Checking
Bank Gloucester
Rates as of Aug. 27th
Massachusetts1.51%up to $25,00010 debit card purchases - electronic statements - 1 direct deposit or auto payment - Must open account in person - Reward Checking
Cinco Family Financial Center Credit Union
Rates as of Aug. 27th
Ohio1.51%up to $14,99912 debit card purchases - electronic statements - direct deposit - membership limited to people living, working, and worshiping in Cincinnati OH or Butler, Hamilton, and Clermont counties and family members - WePayU Checking
Security Bank (mysbank.com)
Rates as of Aug. 27th
Texas1.51%up to $25,00010 debit card purchases post and settle per qualification cycle - electronic statements - 1 direct deposit or ACH auto debit post and settle per qualification cycle - be enrolled and log into online banking - nationwide ATM fee refunds - Rewards Checking
Bank of Weston
Rates as of Aug. 27th
Missouri1.51%up to $15,00010 debit card purchases post and settle each month - electronic statements - 1 direct deposit or automatic payment (ACH) post and settle each month - Kasasa Cash Checking
Evantage Bank
Rates as of Aug. 27th
Oklahoma1.50%up to $10,00010 debit card purchases per statement cycle - electronic statements - bank will refund up to $25 in foreign ATM fees each monthly statement cycle when qualifications are met - Evantage Rewards Checking
First Federal Bank
Rates as of Aug. 27th
NC1.50%up to $10,00010 Debit card purchases-electronic statements - direct deposit or ACH -Access Online Banking once each qualification cycle - Kasasa Cash
MidwestOne Bank
Rates as of Aug. 27th
Iowa1.50%up to $25,000Tier $0 - $25,000 -10 check card transactions, electronic statements, direct deposit or auto ACH debit - Power Checking.
Community Bank of Pleasant Hill
Rates as of Aug. 27th
Missouri1.50%up to $10,00010 POS debit card transactions - at least one ACH direct deposit or ACH auto debit - electronic statement - located in Pleasant Hill, MO - Rewards Checking
First Arkansas Bank & Trust
Rates as of Aug. 27th
Arkansas1.50%up to $20,00010 debit card transactions purchases post and clear - electronic statements - 1 direct deposit, auto ACH debit or online bill payment post and clear - Arkansas residents only - Pure Checking
Bank of the Wichitas
Rates as of Aug. 27th
Oklahoma1.50%up to $10,00010 Visa CheckCard sales transactions - electronic statements - Wichita Rewards Checking
Tioga State Bank
Rates as of Aug. 27th
1.50%up to $15,00012 debit card transactions - electronic statements - 1 direct deposit or ACH debit per qualification cycle. Tier 2 $0 to less than $15,000 - Rewards Checking
AmericaNet Bank
Rates as of Aug. 27th
Nationwide1.50%up to $10,00010 debit card purchases per statement cycle - electronic statements - AmericaNet Rewards Checking
Community Bank of Raymore
Rates as of Aug. 27th
Missouri1.50%up to $10,00010 debit card purchases post and settle per statement cycle - electronic statements - 1 automatic payment or direct deposit - Rewards Checking
First American Bank
Rates as of Aug. 27th
IL1.50%up to $15,00015 qualifying payments post and clear during the monthly statement cycle - ATM fee refunds and refund of the monthly fee when qualifications are met - Everyday Rewards Checking
Redneck Bank
Rates as of Aug. 27th
Nationwide1.50%up to $10,00010 debit card purchases each monthly statement cycle - electronic statements - foreign ATM fee refunds - Redneck Rewards Checking
DuPont Community Credit Union
Rates as of Aug. 27th
VA1.27%up to $25,00010 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
Liberty Bank
Rates as of Aug. 27th
Illinois1.26%up to $10,00015 debit card transactions - electronic statements - 1 direct deposit or ACH - Kasasa Cash
Heritage Bank (heritagebankna.com)
Rates as of Aug. 27th
Minnesota, Iowa1.26%up to $25,00010 debit card payments and/or purchases post to your account each month (excluding ATM transactions) - electronic statements - 1 direct deposit or automatic payment (ACH) each month - ATM fee refunds when you meet monthly qualifications - eCentive Checking
West Texas National Bank
Rates as of Aug. 27th
Texas1.26%up to $25,00010 debit card purchases per statement cycle - electronic statements - free ATMs nationwide with qualifications met - Ultimate Checking
Bank of Blue Valley
Rates as of Aug. 27th
Kansas1.25%up to $15,000$1,000 in signature based point-of-sale (POS) transactions each statement cycle - electronic statements - 1 direct deposit or auto ACH payment - must open account in person - Ultimate Checking
Bank 1440
Rates as of Aug. 27th
Arizona1.25%up to $25,00010 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - Must complete in person - Optimum Checking
United Federal Credit Union
Rates as of Aug. 27th
Arkansas, Michigan, Nevada, North Carolina, Ohio1.25%up to $25,00010 check/debit card transactions - electronic statements - 1 direct deposit or 1 auto ACH - rates may vary by location - Rate collected within: Michigan - Interest Plus Checking
Bank of Internet
Rates as of Aug. 27th
Open to all states1.25%up to $150,00015 debit card transactions - receive qualifying direct deposits - debit card transactions must be $3 or more to qualify - open account online - balances over $150,000 will not earn interest - Rewards Checking
Westbury Bank
Rates as of Aug. 27th
Wisconsin1.10%up to $15,00015 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - access online banking - Wisconsin residents only - Ideal Rewards Checking
North Middlesex Savings Bank
Rates as of Aug. 27th
Massachusetts1.10%up to $25,00012 debit card transactions - electronic statements - 1 direct deposit - must live within market area to open an account - Easy MAX Checking
Lee County Bank and Trust, NA
Rates as of Aug. 27th
Iowa, Illinois, Missouri1.10%up to $15,00010 debit card purchases - electronic statements - 1 direct deposit or auto payment - access online banking - The Big Account Reward Checking
Avidia Bank
Rates as of Aug. 27th
Open to all states1.06%up to $25,00010 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 Aug. 27th
Indiana, Illinois1.05%up to $25,00010 check/debit card transactions - electronic statements -1 auto ACH, bill pay transfer OR direct deposit transfer - sign into online banking once a month - serving Southern Illinois - Kasasa Cash
North Country Savings Bank
Rates as of Aug. 27th
New York1.05%up to $25,00010 debit card purchases per statement cycle - electronic statements - 1 direct deposit or 1 automatic payment per statement cycle - Advantage Checking - Qualified Tier 1
First Bank and Trust
Rates as of Aug. 27th
Iowa, Minnesota, Nebraska, North Dakota, South Dakota1.01%up to $25,00010 check/debit card purchase transactions - electronic statements -1 direct deposit or auto ACH payment - available to residents of Iowa, Minnesota, Nebraska, North Dakota and South Dakota - Easy Grow Checking
United Financial Credit Union
Rates as of Aug. 27th
Michigan1.01%up to $25,00012 check/debit card transactions - electronic statements - 1 direct deposit - 1 online bill pay - limited to Saginaw, Bay and Midland Counties - Direct Rewards Checking
Dedham Savings
Rates as of Aug. 27th
Massachusetts1.00%up to $10,00012 debit card transactions - electronic statements - direct deposit or ACH - Reward Checking
Rollstone Bank and Trust
Rates as of Aug. 27th
Massachusetts 1.00%up to $2510 debit card transactions-electronic statements-direct deposit of payroll, pension, or social security check - All In One Checking
Bank of Fayetteville
Rates as of Aug. 27th
Arkansas1.00%up to $15,00010 VISA check card transactions - electronic statements - 1 direct deposit or ACH payment - sign on to online banking - Limited to residents in these AR and OK counties: Benton, Washington, Madison, Carroll, Delaware and Adair - Smart Checking
Saginaw Medical Federal Credit Union
Rates as of Aug. 27th
Michigan1.00%up to $25,00012 debit card signature-based transactions (excluding ATM PIN-based transactions)-electronic statements-1 direct deposit-online banking-Membership limited to those in healthcare field in the Saginaw, MI area, see site for details. Rewards Checking
ViewPoint Bank
Rates as of Aug. 27th
Texas1.00%up to $25,00015 check/debit card purchases - electronic statements - 1 direct deposit or 1 online bill pay - apply online - limited to residents of Texas - Absolute Checking
Farmers and Merchants National Bank
Rates as of Aug. 27th
Illinois1.00%up to $15,00012 debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - available to residents of Southwestern Illinois and it's surrounding counties. Hometown Advantage.
Northstar Bank of Texas
Rates as of Aug. 27th
Texas1.00%up to $10,00010 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - log on to online banking - e-statements - must reside within 50 miles of Denton, TX - Northstar Reward Checking
MB Financial
Rates as of Aug. 27th
Illinois, Pennsylvania1.00%up to $10,000Complete 15 signature-based debit card transactions totaling $200 or more - electronic statements - ACH credits/debits totaling $250 or more - apply online - MB Red Checking
Farmers State Bank (farmersstatebankmn.com)
Rates as of Aug. 27th
Minnesota1.00%up to $15,00010 Check Card Point of Sale purchases (ATM withdrawals do not qualify)- electronic statements - 1 automatic payment/transfer or direct deposit - access online banking -Only Minnesota and Iowa residents are eligible - Free E-Checking
Neighbors Credit Union
Rates as of Aug. 27th
MO, IL1.00%up to $25,00012 debit card transactions - electronic statements - online banking - direct deposit - Elite Green Checking
State Bank of Toledo
Rates as of Aug. 27th
Iowa0.90%up to $25,00010 debit card purchases post and clear per monthly qualification cycle - electronic statements - 1 direct deposit or ACH auto debit post and clear per qualification cycle - log in to view your account activity electronically one or more times per qualification cycle - free ATM refunds when qualifications are met - Hometown Green Checking
Reliabank
Rates as of Aug. 27th
South Dakota0.77%up to $25,00015 debit card purchases - electronic statements - 1 direct deposit/ACH, or 1 bill pay- Ultimate Checking
Lake City Bank
Rates as of Aug. 27th
Indiana0.76%up to $50,0008 check/debit card transactions - electronic statements - direct deposit/auto ACH - local market area only
Renasant Bank
Rates as of Aug. 27th
AL, GA, MS, TN0.76%up to $25,00010 debit card transactions (excluding ATM transactions) post and clear per qualification cycle - electronic statements - 1 Direct Deposit or ACH post and clear per qualification cycle - log on to Internet Banking - Mississippi, Tennessee, Alabama, Georgia market area - Rewards Checking
Grand Bank
Rates as of Aug. 27th
New Jersey0.75%up to $25,000Conduct (0) zero debit point of sale transactions per qualification cycle - Electronic statements -1 direct deposit or ACH auto debit - Rewards Checking
Cambridge Savings Bank
Rates as of Aug. 27th
Massachusetts0.75%up to $25,00010 debit card transactions - electronic statements - 1 direct deposit - limited to Massachusetts market area - apply online - SuperSmart Checking
Beacon Bank
Rates as of Aug. 27th
Open to all states0.75%up to $25,00010 check card transactions - electronic statements - 1 direct deposit or auto ACH - log onto NetTeller at least one time - Beacon Rewards Checking
Fort Morgan State Bank
Rates as of Aug. 27th
Colorado0.75%up to $25,00012 debit transactions - electronic statements - 1 direct deposit or ACH - open in person - Windmill Smart Checking
BankNewport
Rates as of Aug. 27th
Rhode Island, Massachusetts 0.65%up to $50,00012 debit card transactions - electronic statements - 1 direct deposit or auto ACH debit - for residents of Rhode Island and Southeastern Massachusetts only - $5.95 monthly fee waived when qualifications are met - Go Checking
Haverhill Bank
Rates as of Aug. 27th
Massachusetts0.65%up to $50,00010 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - access online banking - requires online account with current email address - Rewards Checking
Bank of Idaho
Rates as of Aug. 27th
Idaho0.64%up to $10,00010 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit - Idaho market area only - Kasasa Cash
CharterBank
Rates as of Aug. 27th
Alabama, Georgia0.51%up to $15,00010 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - online banking - REWARDSChecking
Bank of The Valley
Rates as of Aug. 27th
Nebraska0.50%up to $20,00010 check card (credit) transactions -- electronic statement - 1 direct deposit or ACH debit - Bonus Checking
Coleman County State Bank
Rates as of Aug. 27th
TX0.50%up to $25,00010 check card transactions - electronic statements - direct deposit or automatic payment - Reward Checking
CoreFirst Bank and Trust
Rates as of Aug. 27th
Colorado, Kansas0.50%up to $25,00010 signed Visa Check Card transactions per statement cycle - e statements - 2 or more internet bill payments or ACH payments/debits - direct deposit - must open account in branch - Rewards Checking
Security Bank (securitybk.com)
Rates as of Aug. 27th
Illinois0.40%up to $25,00010 debit card purchases post and settle each monthly qualification cycle - electronic statements - 1 automatic payment (ACH) or direct deposit post and settle each monthly qualification cycle - be enrolled and log into online banking - nationwide ATM fee refunds - Kasasa Cash Rewards
Community West Bank
Rates as of Aug. 27th
California0.30%up to $15,00010 debit card transactions - electronic statements - at least one direct deposit - access online banking at least once each cycle - Great Rate 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!

Showing 157 comments | Add your comment
katie

19 August 2014 at 3:37 pm

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

Josh Romine

14 August 2014 at 9:01 am

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

Jeff Elsea

25 February 2014 at 11:28 am

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

Fiorasmith

9 January 2014 at 1:47 pm

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

Keith

8 July 2013 at 6:18 am

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

randy

17 June 2013 at 9:13 am

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

Casey Harms

4 June 2013 at 5:10 pm

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

Maria - MoneyRates Moderator

30 March 2013 at 9:28 pm

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

Julie

27 March 2013 at 1:44 pm

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

Ronda

22 March 2013 at 5:42 pm

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

G

17 March 2013 at 9:14 am

First Clover Leaf is down to 2.53% APY

randy

6 March 2013 at 5:50 am

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

Alex

2 March 2013 at 6:32 am

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

Maria - MONEYRATES MODERATOR

13 February 2013 at 5:50 pm

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

HotKarl

12 February 2013 at 11:22 am

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

HotKarl

12 February 2013 at 11:16 am

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

CF

18 January 2013 at 7:30 pm

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

john parker

2 January 2013 at 4:39 pm

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

kevin s

19 December 2012 at 7:24 am

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

Daniel Shark

7 November 2012 at 8:02 pm

Southbridge Savings dropped its rate to 2.5%

Daniel S

12 September 2012 at 5:56 am

Beacon Federal dropped it's limit to $5000.

Ann B

6 August 2012 at 8:36 pm

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

HotKarl

3 August 2012 at 9:51 am

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

Chris C

11 July 2012 at 5:18 am

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

Chris C

11 July 2012 at 4:48 am

APY limit for Coulee bank is 15000

Jay Davies

1 July 2012 at 3:31 pm

First State Bank is only accepting applications from Tennessee residents.

Jay Davies

1 July 2012 at 12:18 pm

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

Jay Davies

1 July 2012 at 12:12 pm

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

Jay Davies

1 July 2012 at 12:02 pm

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

joannie g

14 June 2012 at 2:40 pm

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

joannie g

9 June 2012 at 7:37 pm

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

Wiger Toods

7 June 2012 at 9:03 am

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

Wiger Toods

4 June 2012 at 6:23 pm

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

mike

3 June 2012 at 3:50 am

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

RichardL

2 June 2012 at 8:39 am

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

joannie g

15 May 2012 at 3:28 pm

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

John Palmore

8 May 2012 at 5:59 am

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

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

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