Looking for the best rewards checking or interest checking account? The list below may help. While rewards and interest checking accounts aren't as common as they were a few years ago, there are still a number of checking products today that offer competitive interest rates -- and possibly some other perks too.

Checking account bonus offers

Some banks may offer a checking account bonus in the forms of cash back or preferred bank rates. Banks typically have requirements, such as a minimum opening balance or other obligations, before you are able to earn a checking account bonus. Other banks offer bank promotions, including the chance to earn a free mobile device, so be on the look out for the best checking accounts that also provide perks. 

Banks and credit unions listed in the rate table below are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA). Find a variety of checking account promotions in the table below and get the best bank deals.

Account Type:

Rates as of 2018-01-17
10 point of sale transactions that post and settle during the monthly statement period - See moredirect deposit of at least $500 per month – eStatements - have $15,000 in combined loans or deposits – Affinity Checking
Rates as of 2018-01-17
12 debit card transactions - electronic statements - 1 direct deposit OR 1 auto ACH See morepayment 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 3.59% available with varying conditions met (see website for details) - Free Rewards Checking
Rates as of 2018-01-18
12 debit card purchases post and clear - electronic statements - online banking at least See moreonce per month - Limited to local market areas - Kasasa Cash Account
Rates as of 2018-01-17
20 VISA debit card transactions (excluding ATM transactions) - electronic statements - ATM refunds up See moreto $10 - Blue Chip Checking
Rates as of 2018-01-13
12 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - See moreavailable to Lousiana and surrounding state's residents - OIB Reward Checking
Rates as of 2018-01-14
12 check card purchases - electronic statements - 1 direct deposit or auto ACH - See moreOpen only to residents of local Missouri and Arkansas market area - Kasasa Cash
Rates as of 2018-01-12
10 debit card purchases per month - electronic statements - direct deposit into any LMCU See moreaccount - minimum of 4 logins to home banking per month - Max Checking
Rates as of 2018-01-14
12 debit card transactions (excluding ATM Transactions) - electronic statements - 1 direct deposit See moreor ACH auto debit - Free Reward Checking
Rates as of 2018-01-14
10 POS debit card transactions - electronic statements - access online banking - Limited to See moreresidents of Eastern Illinois only - Get GreenChecking
Rates as of 2018-01-14
12 check/debit card transactions - electronic statements - 1 direct deposit - 1 online bill See morepay - limited to Saginaw, Bay and Midland Counties - UFirst Cash Rewards Checking
Rates as of 2018-01-14
15 debit card purchases post and settle per statement cycle - electronic statements - 1 See moreautomatic debit (ACH) or credit post and settle each statement cycle - be enrolled and log into online banking - Available in Louisiana - Kasasa Cash
Rates as of 2018-01-05
15 debit card purchases post and clear - electronic statements - 1 Direct Deposit post See moreand clear - must be a member - for current members only - Aspire Checking
Rates as of 2018-01-05
10 debit card purchases per statement cycle - electronic statements - 1 direct deposit of See moreat least $500 - pay 1 online bill pay per month or login to mobile banking once per month - Ultimate Checking
Rates as of 2018-01-17
10 debit card transactions per qualification cycle - electronic statements - 1 direct deposit or See moreautomatic payment - be enrolled and log into online banking at least once per cycle - must be a resident of Wisconsin, Minnesota or Iowa - Kasasa Cash
Rates as of 2018-01-12
10 debit card purchases per statement cycle - electronic statements - 1 direct deposit or See more1 direct debit (ACH) post each statement cycle - High Yield Checking
Rates as of 2018-01-14
12 debit card purchases - electronic statements - 1 direct deposit or ACH - See moreaccess online banking - membership is open to persons who live or work in Witchita County, Texas - Premier Checking Account
Rates as of 2018-01-17
12 check card purchases post and settle each monthly cycle - e-statements - at least See moreone automatic payment (ACH Debit) post and settle - Kasasa Cash
Rates as of 2018-01-14
12 check card point-of-sale transactions - electronic statements - access internet banking once per See morequalification cycle - Minnesota - Kasasa Cash
Rates as of 2018-01-17
12 debit card purchases must post and settle this account each qualification cycle - e-statements See more- one direct deposit or automatic payment must post or clear this account each qualification cycle - High Yield Checking
Rates as of 2018-01-12
12 debit card purchases post and settle per qualification period - electronic statements - See more1 direct deposit or automatic payment (ACH) post and settle - ATM fee refunds (up to $25) - Kasasa Cash Checking
Rates as of 2018-01-17
12 debit card purchases post and clear - Electronic statements - At least 1 See moreautomatic payment, direct deposit, or bill pay post and clear - Limited to MA and NH market area - Interest Rewards Checking
Rates as of 2018-01-17
10 check card transactions - electronic statements - at least one direct deposit or one See moreautomatic payment -WooHoo! Checking
Rates as of 2018-01-14
10 monthly debit card transactions of at least $5 each - electronic statements - 1 See moredirect deposit - aggregate deposit/loan balance of at least $5,000 - available to Wyoming and Colorado Front Range residents of select employer groups - Xtraordinary Checking
Rates as of 2018-01-17
10 check/debit card transactions - electronic statements - 1 direct deposit - Accounts are See moreavailable 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
Rates as of 2018-01-17
10 debit card purchases per statement cycle - electronic statements - 1 direct deposit or See moreACH debit - Kasasa Cash
Rates as of 2018-01-17
10 debit card transactions - electronic statements - 1 direct deposit or ACH auto debit See more- available only to residents of Arkansas - Kasasa Cash
Rates as of 2018-01-14
16 debit card transactions - electronic statements - 1 direct deposit or ACH auto-debit See more- apply online - Kasasa Cash Checking
Rates as of 2018-01-17
12 debit card purchases post and settle each cycle - e-statement - log into online See morebanking or mobile banking at least once each cycle - Free Kasasa Cash Checking
Rates as of 2018-01-18
12 check card transactions - electronic statement - 1 direct deposit or auto ACH - See moreloan balance of $5,000 or more - customers with no loan balance can still earn 1.75% APY - Ultimate Checking
Rates as of 2018-01-14
12 debit card transactions totaling $120.00 net - electronic statements -1 direct deposit- membership limited See moreto people living, worshiping, or working in Sarpy, Douglas, and Cass Counties in Nebraska or Pottawattamie County in Iowa - High Yield Checking
Rates as of 2018-01-18
15 debit card transactions - electronic statements - $250 minimum amount of debit See moretransactions 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
Rates as of 2018-01-14
10 check card purchases post and settle per qualification cycle - electronic statements - 1 See moredirect deposit or automatic payment (ACH) post and settle each qualification cycle - nationwide ATM fee refunds - Security Bonus Checking
Rates as of 2018-01-18
10 Debit Card Point of Sale purchases (ATM withdrawals do not qualify)- electronic statements See more- 1 automatic payment/transfer or direct deposit - access online banking -Only Minnesota and Iowa residents are eligible - Kasasa Cash
Rates as of 2018-01-18
Stated APY is for Relationship Account members - a lower APY applies for general members See more- Earn 2.018% APY for Premier Relationship Account members or 1.005% APY General members on account balances up to $25,000* - 12 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 - Rewards Checking
Rates as of 2018-01-14
12 POS debit transactions must post and clear account per qualification cycle - electronic statements See more- 1 direct deposit ,ACH auto debit, or online bill payment per cycle - Iowa market area only -Kasasa Cash
Rates as of 2018-01-12
Have at least 12 point-of-sale Montgomery Bank debit card purchases post and settle ï‚· Have See moreat least 1 automatic payment (ACH) or direct deposit post and settle ï‚· Maintain a valid email address, be enrolled in electronic banking, and receive e-statement (monthly bank statements via the Internet) Montgomery eBlue Checking
Rates as of 2018-01-17
10 debit card transactions - electronic statements - 1 direct deposit or one ACH auto See moredebit - Arkansas residents only - The Most Checking
Rates as of 2018-01-18
10 debit card transactions - electronic statements - 1 online bill payment, automatic payment or See moredirect deposit- account available in Illinois and Indiana market area - Kasasa Cash
Rates as of 2018-01-12
10 check/debit card transactions - electronic statements -1 auto ACH, bill pay transfer OR direct See moredeposit transfer - sign into online banking once a month - serving Southern Illinois - Kasasa Cash
Rates as of 2018-01-17
10 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - See moreMust apply in person at a branch in Central Wisconsin - 1st Rewards Checking
Rates as of 2018-01-17
10 Visa check/debit card transactions - electronic statements - 1 direct deposit or auto ACH See more- Geographic Restrictions - Contact bank for details - Kasasa Cash
Rates as of 2018-01-18
10 check card transactions - electronic statements - one direct deposit or ACH auto debit See more- access online banking - account available to Illinois market area - First Reward Checking
Rates as of 2018-01-14
Make purchases of $300 or more using a Provident debit and/or credit card per month See more- electronic statements and account notices - 1 direct deposit or automatic debit/credit (ACH) per month - ATM surcharge rebates - Super Reward Checking
Rates as of 2018-01-12
10 POS debit card transactions - electronic statements - 1 direct deposit or automatic ACH See morepayment post and clear each cyle - log into online banking at least once per cycle - Kasasa Cash
Rates as of 2018-01-12
12 check/debit card transactions - electronic statements - 1 direct deposit or auto ACH - See moreAPY paid on balances up to $10,000 when qualifications are met - KanzaRewards Checking
Rates as of 2018-01-12
12 debit/check card transactions - electronic statements - direct deposit - Win/Win Checking
Rates as of 2018-01-17
10 debit card POS transactions - electronic statements - 1 direct deposit or ACH auto See moredebit - Must meet Kasasa Cash requirements to receive rewards rates - - Kasasa Cash Checking
Rates as of 2018-01-14
12 debit card purchases post and settle - be enrolled and receive e-statement notice - See morebe enrolled and log into online banking - serving only Lancaster and Fairfield County area Ohio - Kasasa Cash
Rates as of 2018-01-14
12 debit card transactions - electronic statements - 1 direct deposit - must be resident See moreof Cayuga, Cortland, Madison, Oneida, Onondaga and Oswego counties in the state of New York. - High Interest Checking.
Rates as of 2018-01-17
12 debit card purchases post and settle each monthly qualification cycle - electronic statements - See morehave at least 1 bill pay, 1 automatic ACH transaction, or 1 direct deposit post and settle - Kasasa Cash

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!

solomon david 8 February 2017 at 6:11 pm

How can do a small invest,date yield monthly

George Patterson 4 July 2015 at 7:05 pm

Hello, im searching for the best checking accounts that will earn monthly interest. Thank you in advance. I live in Pennsylvania

peggy 25 May 2015 at 7:15 pm

Update on the Consumers Credit Union reward checking account rates of 3.09%, 4.09% and 5.09%. These rates are now guaranteed until the start of 2016. What a deal!

peggy 27 February 2015 at 10:30 am

Consumers Credit Union in IL ( https://www.myconsumers.org/) is offering a 3 level tier reward checking account. The 1st tier is paying 3.09% up to 10,000., the 2nd tier is 4.09% up to $20,000 and the 3rd tier is 5.09% up to 20,000. To earn the 3.09% APY* on balances up to $10,000 you need to complete 12 debits, a direct deposit or ACH debit or a bill pay using their online system and of course receive electronic statements and access your account at least once in the month. To earn the 4.09%, simply meet the requirements for the 1st tier (3.09%) and then add 12 CCU VISA Credit Card purchases (no min. amount required). To earn the 5.09% it is the same on meeting the 3.09% tier requirements and then spend $1000 or more in CCU VISA purchase transactions, regardless of the number of purchases. What is so cool about these accounts (well, besides the high interest they are paying) is they will tell you tell you where you are regarding your requirements when you check your account online. Yep, little box right there on your checking account page showing how many debits you have made so far, etc. and will let you know when you've qualified for the 3.09%, then will let you know if you've qualified for the 4.09, etc. and so you know for sure exactly where you are standing on your requirements. This credit union has been in business since 1930. They are NCUA insured. Anyone is able to join. (To join Consumers Credit Union you must be a Member of the Consumers Cooperative Association via a payment of a one-time $5.00 Membership fee To establish your Membership with CCU you will need to open a share savings account with a minimum five dollars ($5.00) deposit.) These rates are guaranteed until August 2015. For anyone who does reward checking accounts, this is one sweet deal. The credit union has a high rating. Furthermore, the people there are simply the best to work with, very knowledgeable and friendly. You can open the account online or if you prefer, you can call them (877) 275-2228 (press 2 for accounts) and one of the reps can opened an account for you over the phone. Right now they are also offering a $50/$50 Rewards Checking Referral, which is certainly a nice added bonus! t just gets better and better, doesn't it? I recommend this credit union to anyone. I can also refer you for the 50/50 program. You can email me at blueskies950@yahoo and I would be more than happy to do it and also answer any questions you might have.

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