Best Checking Accounts for September 2021

Compare free and low-fee checking accounts. Narrow your list of the best checking accounts with these helpful tips.

Our articles, research studies, tools, and reviews maintain strict editorial integrity; however, we may be compensated when you click on or are approved for offers from our partners.

The best checking accounts minimize fees and have a network of ATMs where you need them. Checking account features and fees differ from one institution to another, so shopping for the best checking account is important.

To help you search for the best checking account for you, MoneyRates looked at six fees commonly charged by banks, credit unions, and nonbanks. Review the companies we surveyed.

Of course, you'll also want a checking account with all the convenience of direct deposit, online bill-pay, and mobile banking. The reviews and information presented below can help you weigh the options.

If you want to look further, follow the tips in the How to Get the Best Checking Account section below.

Easily Compare the Best Checking Accounts Online

Use our checking account finder tool using just your ZIP code to find the best checking account to fit your needs and financial goals.

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Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Monthly Fee


Min Opening Balance $50,000
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement Yes
Advertiser Comments  


Min Opening Balance $100
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement Yes
Advertiser Comments  


Min Opening Balance $0
Out-of-Network ATM Withdraw Fee $2.50
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement No
Advertiser Comments  


Min Opening Balance $0
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement No
Advertiser Comments  


Min Opening Balance $0
Out-of-Network ATM Withdraw Fee $2.50
Overdraft/NSF Fees $34
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement No
Advertiser Comments  


Min Opening Balance $0
Out-of-Network ATM Withdraw Fee $2.50
Overdraft/NSF Fees $34
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement Yes
Advertiser Comments  


Min Opening Balance $10
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement No
Advertiser Comments  


Min Opening Balance $0
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement No
Advertiser Comments  


Min Opening Balance $1
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $35
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement Yes
Advertiser Comments  


Min Opening Balance $50
Out-of-Network ATM Withdraw Fee $0
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement Yes
Advertiser Comments  


Min Opening Balance $0
Out-of-Network ATM Withdraw Fee $2.50
Overdraft/NSF Fees $0
24/7 Customer Support Yes
Out-of-Network ATM Fee Reimbursement No
Advertiser Comments  

Compare Financial Companies We Surveyed to Find the Best Checking Accounts

To monitor checking accounts, MoneyRates tracks a cross section of the industry consisting of 50 of the largest U.S. deposit institutions, plus 25 medium-sized banks and 25 small banks. This cross section represents close to three-quarters of all U.S. bank deposits and includes over 300 different checking accounts.

Based on our research, the following were 20 of the best checking accounts, including the fees charged by each bank:

Checking AccountMinimum to OpenMonthly FeeOverdraft FeeMax. Overdraft Fees Per DayOut-of-Network ATM FeePaper Statement Fee
Ally Bank Interest Checking$0$0$25 (Reimbursed; soon to be eliminated all together)1Up to $10 Reimbursed/Statement Cycle$0
American Savings Bank Kalo Simple Checking$20$0$304Unknown$5
Arvest Bank Free Blue Checking$50$0$178$2N/A
Avidia Bank eChecking$10$0$304$3, Up to $10 Reimbursed/Statement CycleN/A
Axos Bank Essential Checking$0$0$0N/AUnlimited Domestic Reimbursements$5
Bank Five eAccess Checking$10$0$32UnlimitedUp to $10 Reimbursed/Statement Cycle$1
Bank of Oklahoma Free Checking$50$0$32.505$2$1.50
Chase Total Checking$012 (or $0 with waivers)$34.003$3$6.00
Discover Cashback Checking$0$0$0N/A$0$0
Eastern Bank Free Checking$25$0$35.00Unlimited$2Unknown
First Internet Bank Free Checking$25$0$30Unlimited$0$3
HSBC Premier Checking$0$50$0.00N/A$0$0
Huntington National Bank Asterisk Free Checking$0$0$23.00 for the 1st overdraft in 12 months, then $37.504$3$0
iGo Banking Interest Checking$1$0$30Unlimited$3$10
Radius Rewards Checking$100$0$25 NSF FeeUnlimitedUnlimited ReimbursementsUnknown
TIAA Bank Yield Pledge Checking$100$0$30.002$0, Up to $15 Reimbursed/Statement CycleUnknown
Union Bank Bank Freely Checking$0.01$0$335$0, Up to 2 Surcharges Reimbursed/Statement Cycle$0 ($3 with check images)
USAA Bank Classic Checking$25$0$29 NSF Fee3Up to $15 Reimbursed/Statement Cycle$10 Statement Copy Fee
Washington Federal Free Checking$25$0$30UnlimitedUnknownN/A
Wells Fargo Bank Everyday Checking$25$10 (o $0 with waivers)$353$3N/A
Zions Bank Anytime Checking$50$0$325$2$3
BBVA Online Free Checking$25$0$326$3$0.00
Simple Account (Checking)$0$0$0N/A$0N/A
Chime Spending Account $0$0N/A$2.50Unknown

6 Key Factors in Finding the Best Checking Accounts

We examined six factors to find the best checking accounts.

  1. Minimum account size
  2. Monthly maintenance fees
  3. Overdraft fees
  4. Maximum overdraft fees per day
  5. Out-of-network ATM fees
  6. Paper statement fees

How We Picked the Best Checking Accounts

To weigh these six factors across hundreds of checking accounts, MoneyRates used the following process to pick the best checking accounts:

1. Accessibility to most customers

Some banks only offer their best terms to their largest customers, such as those with balances of $10,000 or more. Since this is beyond the means of most checking account customers, MoneyRates found the best checking accounts for everyone by focusing its analysis on accounts with a minimum to open of $1,000 or less.

2. Free checking accounts

The phrase "free checking" generally refers to accounts with no monthly maintenance fees. While free checking has become relatively scarce in recent years, it is fairly common among online checking accounts.

Since monthly maintenance fees are charged every month regardless of how you use the account, MoneyRates considers them of great significance and considered only accounts with no monthly maintenance fees as contenders for its picks of the best checking accounts.

3. Overdraft fees

At an average of $32.30 per transaction, overdraft fees can add up quickly and become staggering. Plus, there is the potential for several overdraft fees to be charged in a single day. So, the field of the best checking accounts with reasonable minimum costs was ranked based on both how high their overdraft fees are and whether there was a cap on the number of overdraft fees that could be charged in a single day.

4. Out-of-network ATM fees

Most banks charge you if you use an ATM that isn't one of their own or part of a network to which they belong. While these charges seem modest at an average of $1.74 per transaction, that can really add up if you use ATMs regularly. The best checking accounts won't nickel and dime you to death with ATM fees. That's why this was used as the next ranking factor, just after the overdraft fee.

5. Paper statement fees

Most banks still do not charge you for receiving paper statements, so this was considered a low-priority ranking factor. However, it was included in our survey of the best checking accounts because charges for paper statements are becoming more common.

Why we didn't consider interest rates

Checking account interest rates were not considered in this ranking because the interest generated by checking accounts is usually negligible compared to their fees. However, if you are able to identify checking accounts that would cost you nothing based on how you bank, you might use their interest rates as a tie-breaker in deciding among the best checking accounts. Finding the best high-yield checking accounts may be worth it in some instances.

Best Checking Accounts With No Fees

Based on research by MoneyRates, the following were the three best checking accounts offering consumers great deals as of mid-2021:

Discover Cashback Dbit

Why this is a good deal:

  • While free checking is fairly common among online checking accounts, it normally refers to not being charged a monthly maintenance fee. The Discover Cashback Checking account is the rare account that also extends this to having no overdraft fees either.
  • Plus, with no minimum-balance requirement to open an account, the Discover Cashback Checking account makes checking easily accessible even to customers of limited means.
  • As an added bonus, this account offers 1% cash back on up to $3,000 per month in debit-card purchases.
Minimum to OpenMonthly Maintenance FeeOverdraft FeeOut-of-Network ATM FeePaper Statement Fee
Axos Bank Essential Checking

Why this is a good deal:

  • The Axos Bank Essential Checking account offers many of the favorable characteristics of the Discover Cashback checking account, including no monthly maintenance fees and no overdraft fees. While the Axos Bank account does have a fee of $5 per month for paper statements, this is shouldn't be an issue for most online banking customers.
Minimum to OpenMonthly Maintenance FeeOverdraft FeeOut-of-Network ATM FeePaper Statement Fee
$1$0$0Unlimited domestic ATM reimbursements$5.00
Arvest Bank Free Blue Checking

Why this is a good deal:

  • With a low minimum requirement to open an account and no monthly maintenance fee, this account makes checking both accessible and cost-effective.
  • The overdraft fee of $17 is well below the industry average of $32.11, and this expense can be avoided altogether by customers who don't overdraft their accounts
  • Note that there is a fee to use an out-of-network ATM, so check to see if the Arvest Bank's ATM network includes locations convenient to the places you regularly visit.
Minimum to OpenMonthly Maintenance FeeOverdraft FeeOut-of-Network ATM FeePaper Statement Fee

What Is a Checking Account?

Technically, a checking account is a type of demand deposit account offered by banks and credit unions. This means you can withdraw your money without advance notice. Checking accounts are designed to keep money safe and liquid - funds are readily accessible without restriction.

A checking account is a bank account designed to process daily transactions - incoming deposits and outgoing payments - seamlessly. The ability to be able to use the account as much as you need to is at the heart of why checking accounts are effective money-management tools. This easy, seamless access is also one of the reasons banks and nonbanks with some of the best checking account offers are reinventing checking account and finding new tools to offer to customers.

These newer, online or hybrid checking accounts can be offered by a bank, brokerage firm, or other financial service provider. Nonbank financial service providers typically partner with a bank to provide FDIC protection for their cash management accounts or spending accounts.

Cash management and spending accounts operate like checking accounts, but they may offer other features like mobile apps that help you monitor your budget, support charities, and find businesses that match your values.

Checking accounts are so commonplace today that most people think they're all alike, but they're not - especially now that technology is being used to reimagine how checking accounts work. Knowing what to look for when determining the best banks for checking accounts could save you a great deal of money and time or even make managing your money easier.

Can I Have More Than One Checking Account?

Yes, you can have more than one checking account. For some people, one checking account is probably enough, but there are smart reasons why you may decide to have more than one checking account.

  • If you share household expenses with a partner, you may wish to hold a joint checking account with that person and also have an individual account for your personal expenditures and purchases.
  • If you’re helping a parent or other senior pay their bills, you may opt to hold a joint account with that person for ease of writing checks. You’d also have a separate account for yourself.
  • If you make extra money from freelance work or a business, no matter how small, you may want to have an additional checking account for your extra earnings separate from your main account.

These are just a few of the reason why you may want to have more than one checking account. Whether you share one account with someone else or opt to have more than one individual account will depend on your own situation, but you are allowed to do so.

Before you open a second checking account, however, you should make sure that you are comfortable managing your primary checking account. If you’ve just opened your first checking account or if you’re still getting used to managing it, you may want to wait before you open another.

When shopping for a second checking account, you should still look for best checking account offers to meet your specific needs.

How Can I Choose the Best Checking Account?

Using MoneyRates' selection process as a guide, here are some tips for how you can find the best checking accounts:

1. Check the monthly fee

While overdraft and ATM fees depend on how you use the account, maintenance fees are charged month after month no matter what. Therefore, minimizing or avoiding this kind of fee should be your primary consideration when choosing a checking account.

2. Find out if a fee-waiver applies

Many banks that charge maintenance fees waive them if you meet certain conditions, such as maintaining a specified minimum balance or setting up a direct deposit. If you are considering an account with a maintenance fee, see if you are likely to qualify for a fee waiver.

3. Decide on overdraft protection

Because overdraft fees are so expensive, MoneyRates recommends that you do not opt in to overdraft protection. However, if you plan to opt in, look for an account with relatively low overdraft fees and a cap on the number of such fees that can be charged in a single day.

4. Consider your ATM habits

If you plan to be a frequent ATM user, consider the locations of the bank's ATMs or ATM network locations. Make sure they are convenient to your regular travels so you can avoid fees for using out-of-network machines.

5. Consider customer service

If you like dealing with bank representatives in person, make sure you choose a bank with convenient locations and hours. If you prefer to bank online, check which websites have features you are likely to find useful.

6. Protect your account

This starts by making sure the institution is protected by insurance from the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA). Also, keep the balance of this account plus any other deposit accounts at the same institution below the applicable insurance limit. Typically, your total deposits should be less than $250,000.

7. Weigh additional benefits as tie-breakers

Banks sometimes offer promotions like cash bonuses and other gifts for opening an account. Some checking accounts even offer interest on your account balance. They use a variety of enticements to attract customers; but in the long run, the value of these offers tend to pale in comparison to how much you could spend on fees.

These additional benefits should not be your primary reasons for choosing a bank, but they could be useful for deciding between two banks that are very similar on other criteria. Use promotions, gifts, interest and other benefits as a tie-breaker.

What to Consider Before Opening a Checking Account

You can compare lots of things when choosing a checking account - fees, locations, services, etc. However, the factors that make the best checking account for you depends on how you intend to use the account. Before you open an account, consider the following:

Is the account federally insured?

Only banks that participate in FDIC insurance and credit unions that participate in NCUA insurance can claim to be federally insured. Keep in mind, though, that not all accounts offered by these institutions are necessarily insured. While checking accounts should be, an investment account may not be insured.

How do you intend to use the checking account?

There are a variety of fees that potentially could affect your finances. Be clear about how you expect to use the account so you'll know which are the most important to you.

  • Maintenance fees only affect you if you don't qualify for a fee waiver.
  • If you tend to overdraft your account regularly, the size of the overdraft fee will be a big factor, as will whether the bank caps the number of these fees you can incur in a single day.
  • If you are a regular ATM user, the location of the bank's ATM network will be a key consideration.

Will you qualify for a fee waiver?

Many banks waive their monthly maintenance fee if you maintain a certain minimum-balance level. Others waive that fee if you set up direct deposit into the account. Find out what a bank requires in order to waive its monthly fee. If you can easily qualify for a fee waiver, you can cross the monthly fee off the list of things to consider when choosing a checking account.

Does location matter to you?

If you still like to do your banking in person, the location of branches will matter a great deal to you. If you use cash regularly, the location of the ATM network might be important. On the other hand, if you do your banking exclusively online, you don't have to worry about location issues.

Is the bank as tech-savvy as you are?

If you want the latest in mobile-banking tools, keep in mind that while some banks are leading in technical innovation, others seem to operate as if they are still the 20th century. Check out a bank's mobile and online tools to see if they are a good match for your needs.

Frequently Asked Questions

Q: I'm looking for a new checking account, because the overdraft fees at my bank are killing me. It's a $30 fine every time I overdraft the account. Am I being unrealistic, or should I be able to find cheaper overdraft fees somewhere?

A: If you are paying $30 a pop for checking account overdraft fees, then you can probably do better. However, if those fees are a regular issue for you, then the size of the fee isn't your only problem.

Here are three thoughts on how you can save money on your checking account:

    1. You should be able to find overdraft fees that are less than $30. According to the most recent bank fee survey, the average was $29.16, so at $30 you'd be a bit over the average. The cheapest overdraft fee found was $18, but based on where most of the fees are bunched, if you found something in the mid-$20 range you'd be doing pretty well.
    2. Don't focus on any one fee when you shop for a checking account. After all, overdraft fees only kick in when you make the mistake of overdrafting your account, but maintenance fees will be there month after month. Look at the total package of fees, and figure out what would be the cheapest option based on how you bank.
    3. Opt out of the overdraft protection program. If bank overdrafts are more than a rare mistake for you--say, once every few years--then the best solution would be to opt out of overdraft protection to cure yourself of the bad habits that are leading to those fees.

    Q: Is it better to pay a fee for a checking account and earn interest, or would I be better off forgetting the interest and choosing a free checking account?

    A: Financial trade-offs often come in different terms that make them a little challenging to compare, such as risk and reward, or in the case of many checking accounts, the trade-off between interest and a monthly fee. The best way to solve the dilemma is to do a little math to make the terms more comparable, though there are also some broad guidelines you can use for a decision.

    In mathematical terms, what you need to is estimate what your average checking account balance is likely to be over the course of a year, and figure out how much interest you would earn on that amount based on the interest rate being offered. If that amount doesn't exceed the fees you'd pay over the course of the year, you'd be better off with no interest on a free checking account.

    As a general principle, in a low interest rate environment like today's, you are more likely to be better off forgetting about the interest and choosing free checking. The only exception would be if you maintain a very high (i.e., $10,000 or greater) checking account balance. In a higher interest rate environment, it can be more worthwhile to pay the monthly fee and receive interest, even at lower balances.

    More FAQs

    If you want to learn more about checking accounts and other bank accounts, the answers to these frequently asked questions can help shed light on the topic.

    Traditionally, these transactions were most often made by writing checks; but nowadays, automatic bill payments, ATM withdrawals and electronic transfers are also very common. You can use a combination of these tools to handle both routine payments and one-time expenses.

    Many checking accounts do pay interest, but interest is typically less important than fees in choosing a checking account. After all, typical monthly fees now total over $160 a year; on an account with $2,000 balance, it would take an 8% interest rate for interest to amount to more than fees - and you won't find anything close to that these days. Plus, if it's interest you are looking for, there are better accounts for earning interest, as discussed below.

    A savings account guarantees your deposit balance and pays regular interest on the amount you have deposited. The number of times you can take money out in any given month is restricted; but in return for that, a savings account typically pays more interest than a checking account.

    A money market account shares many characteristics with a savings account: it has guaranteed principal, pays interest and allows a limited amount of transactions each month. As a practical matter, you should consider money market accounts alongside savings accounts when considering an account for building up savings.

    If you don't need regular access to your money and are simply concerned with earning the most interest, consider a certificate of deposit (CD). CDs lock your money up for a specified period of time, in exchange for which they typically pay more interest than checking, savings or money market accounts.

    solomon david 9 February 2017 at 2:11 am

    How can do a small invest,date yield monthly

    George Patterson 5 July 2015 at 2:05 am

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

    peggy 26 May 2015 at 2:15 am

    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 6:30 pm

    Consumers Credit Union in IL ( 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 10:37 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 4:01 pm

    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 7:28 pm

    Can't believe Bank of Weston ( 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 9:47 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 1:18 pm

    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 4:13 pm

    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 5 June 2013 at 12:10 am

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

    Maria - MoneyRates Moderator 31 March 2013 at 4:28 am

    Thank you Julie we have updated our records for First Financial Bank ( 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 8:44 pm

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

    Ronda 23 March 2013 at 12:42 am

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

    G 17 March 2013 at 4:14 pm

    First Clover Leaf is down to 2.53% APY

    randy 6 March 2013 at 1:50 pm

    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. up to $15,000TS Bank, 15 debits or credits, direct deposit or auto bill pay or pay a bill online. up to $15,000Money One Credit Union, 10 debits or credits, one auto bill pay, $20 donation to Easter Seals, up to $10,000. www.moneyonefcu.orgLake 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

    Alex 2 March 2013 at 2:32 pm

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

    Maria - MONEYRATES MODERATOR 14 February 2013 at 1:50 am

    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 7:22 pm

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

    HotKarl 12 February 2013 at 7:16 pm

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

    CF 19 January 2013 at 3:30 am

    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 3 January 2013 at 12:39 am

    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 3:24 pm

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

    Daniel Shark 8 November 2012 at 4:02 am

    Southbridge Savings dropped its rate to 2.5%

    Daniel S 12 September 2012 at 12:56 pm

    Beacon Federal dropped it's limit to $5000.

    Ann B 7 August 2012 at 3:36 am

    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 4:51 pm

    First State Bank ( Tennessee is open to Tennessee residents only.

    Chris C 11 July 2012 at 12:18 pm

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

    Chris C 11 July 2012 at 11:48 am

    APY limit for Coulee bank is 15000

    Jay Davies 1 July 2012 at 10:31 pm

    First State Bank is only accepting applications from Tennessee residents.

    Jay Davies 1 July 2012 at 7:18 pm

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

    Jay Davies 1 July 2012 at 7:12 pm

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

    Jay Davies 1 July 2012 at 7:02 pm

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

    joannie g 14 June 2012 at 9:40 pm

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

    joannie g 10 June 2012 at 2:37 am

    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

    Wiger Toods 7 June 2012 at 4:03 pm

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

    Wiger Toods 5 June 2012 at 1:23 am

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

    mike 3 June 2012 at 10:50 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 3:39 pm

    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 10:28 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 12:59 pm

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

    Maria 4 May 2012 at 2:52 am

    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 7:25 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 26 April 2012 at 2:31 am

    Montgomery Bank requires you to come into a branch to complete your application.

    BillR 24 April 2012 at 5:41 pm

    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 7:30 pm

    Beacon Federal does not allow people from Texas to join and have the high checking account.

    Maria 11 April 2012 at 5:08 pm

    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 7:54 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 26 March 2012 at 1:27 am

    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 26 March 2012 at 12:38 am

    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 26 March 2012 at 12:13 am

    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 11:54 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 11:48 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 4:57 pm

    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 5:07 pm

    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 7:13 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 6:50 pm

    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 8:10 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 9:14 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 5:20 pm

    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 5:34 pm

    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 9:39 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 10:06 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 4:21 pm

    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 10:33 pm

    Wow these rates are terrible. My bank gives 3.2% APY for rewards checking. American State Bank Sioux Center IA but you need to be local.

    Thena palnick 21 September 2011 at 1:40 am

    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 8:55 pm

    Adams Bank and Trust has offices in Colorado and Nebraska, currently paying 2.50% APY.

    cindy 2 September 2011 at 6:48 am

    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 3:28 pm

    LMCU is changing their rate: Rate change effective 10/1/11 to 3.0% APY.

    wayland 1 September 2011 at 3:12 pm

    First State Bank ( is only accepting applications from residents of Tennessee.

    ek 29 August 2011 at 1:05 am

    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 10:23 am

    Free checking with interest

    Seth 2 August 2011 at 12:53 am

    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 3:57 pm

    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.orgKatie

    Holley Hood 21 July 2011 at 4:52 pm

    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 6:16 pm

    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 11:23 am

    The Farmers Citizens Bank is currently only accepting applications from residents of Ohio.

    dennis 14 July 2011 at 2:25 pm

    Take a look @ Smart checking account @ 2.50%

    Dean Kruger 3 July 2011 at 5:08 pm

    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 1 July 2011 at 12:28 am

    Farmers Citizens Bank In Ohio, It's Kasas Kash Checking Account is only Avalable to Ohio Residents.

    Rick 29 June 2011 at 2:35 pm

    Seems like southern bank might be lying. how can they give such a good rate?

    Sowega 29 June 2011 at 12:14 pm

    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:

    Debbie 25 June 2011 at 10:48 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 3:33 pm

    I am searching for a banking institution in the Baton Rouge area that will pay me at least 3% anually for useing my 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 31 May 2011 at 4:52 am

    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 7:02 pm

    Southwest airlines federal credit union has a nice high interest checking account

    Steve Payne 11 May 2011 at 1:22 pm

    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 7:20 pm

    Wisconsin Community Bank ( offers 3.01% up to $20K.

    Puddin Man 19 April 2011 at 6:16 pm

    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.

    Henry 17 April 2011 at 9:07 pm

    Union Square FCU (Wichita) is offering (4.51%, $25k) Premier Checking!

    Danny 8 March 2011 at 11:17 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 2:58 pm

    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 for more information.

    Leah 7 March 2011 at 4:03 pm

    Are there any banks in NC with interest-yielding checking accounts?Thanks!

    ejk 24 February 2011 at 2:36 am

    Pelican is now 4.01% APY to 20K...not 30K

    Rita Dolan 20 February 2011 at 10:18 pm

    Pelican State CU now has a max deposit of only $20K for the 4.01% rate.

    Frank Baker 10 February 2011 at 10:41 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 6:41 pm

    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 2:41 pm

    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 12:24 pm

    Bank of Ripley in Ripley, TN offers 3.51% on checking up to $25,000.00.

    Richard 21 January 2011 at 2:29 pm

    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 1:39 pm

    Midwest Federal Credit Union paying well over 2% on checking up to balance of $25K

    janine 10 January 2011 at 3:29 pm

    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 6 January 2011 at 2:09 am

    Ing direct they pay 1.25% on a hundred thousand and is componded intrest

    Betty D 19 December 2010 at 3:21 am

    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. 17 December 2010 at 6:39 am

    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 10:42 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 6:55 pm

    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 20 November 2010 at 2:07 am

    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 5:02 pm

    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 11:59 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 28 October 2010 at 2:30 am

    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 12 October 2010 at 2:44 am

    Viewpoint bank still pays four percent but only up to 25k. It used to be 50k.

    Tim Elliott 8 October 2010 at 2:58 am

    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 12:21 pm

    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 21 September 2010 at 2:02 am over 3%

    Beatrice 15 September 2010 at 3:40 pm

    Provident Credit Union "Super Reward Checking" is paying 2.51% on first $25,000 They are great! check out here:

    Charlie 3 September 2010 at 1:04 am

    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 1 August 2010 at 3:10 am

    Texas Gulf Bank - - Gulf Advantage Checking pays 3.04% on balances up to 25K.

    Jeremy 8 July 2010 at 1:49 pm

    Farmers and Merchants State Bank ( 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 4:39 pm

    . 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 9:17 pm

    Fidelity Homestead Savings Bank - New Orleans, LA 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 3:06 pm

    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.

    John Doe 9 June 2010 at 4:19 pm

    3.51% APY on balances up to $50K at Farmers

    Skipper 15 May 2010 at 7:48 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

    Rita Dolan 15 May 2010 at 2:50 pm

    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 1:09 pm

    4.01% APY

    Sak 11 May 2010 at 7:06 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(

    MFattore 10 May 2010 at 7:45 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 3:04 pm

    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 cycleMonthly requirements include:12 debit card purchases 1 direct deposit Receive e-statementsOther 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 can visit their website or to find out more about it!

    MoneyRates team 11 December 2009 at 9:56 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 11 September 2009 at 2:22 am

    Farmers Bank and Trust requires personal visit to one of their branches.

    R.W.Sewell 4 September 2009 at 3:07 pm

    Look at this bank checking program, 5.01% at Community Bank of Pickens County, Georgia. there web site:

    S. E . Wallace 1 September 2009 at 10:27 pm

    Everbank online FDIC 2.51 for first 3 mos

    Dee Dlscha 1 September 2009 at 4:00 pm

    FYIKansas State Bank requires signing documents IN PERSON. They do not mail out documents for you to sign

    Dee Dlscha 1 September 2009 at 3:55 pm

    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 3:13 pm

    Easygrow checking 4.01 apy.

    Rate chaser 29 August 2009 at 2:27 am

    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 1:27 pm

    liberty bank

    james 11 August 2009 at 8:48 pm

    Bank of america has 0.9%

    L Costilow 11 August 2009 at 1:25 am

    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 3:32 pm

    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 2:19 pm

    Capital Bank of Raleigh NC, 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 24 July 2009 at 2:08 am

    ViewPoint Bank Absolute CheckingAPY 4.00% ($0 - $50k) APY 2.00% ($50k - $100k) $100 to Open No Minimum for Interest No Monthly FeeConditions: 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 purchasesApply Online:

    Michael 13 July 2009 at 2:34 pm

    FAB&TNearest Location - Concord, ARShow Locations Map data 2009 Tele Atlas - Terms of Use Kasasa Cash Insured by FDIC up to $100,000With 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 cycleMonthly. 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 onceOther Features* Free Checking * No Minimum Balance * Free Visa Check and Debit Card * Free Online Banking * Free Online Bill PayAbout FAB&TFirst 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 * ATMReimburses all ATM fees worldwide if qualifications are met**** SIGN UP ONLINE**** Then debit card through the mail.

    Marissa 10 July 2009 at 8:58 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 1:57 pm

    United Federal Credit Union (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 7:30 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 5:17 pm

    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 6:26 pm

    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 1 July 2009 at 2:45 am

    Neighbors Federal Credit Union Pays 4.51% on first $25000 then 1.01% anything over.

    Farmers State Bank 26 June 2009 at 3:34 pm

    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 2:26 pm

    Are there any Kasasa banks in my area? If so, where?

    maria 25 June 2009 at 1:19 pm

    online checking account 1% apy min $1 deposit no min bal requirement no required transactionssee for full info

    mike thompson 24 June 2009 at 11:47 pm

    north carolina bank and trust 4.25%, 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 10:36 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 for full details.

    Wes 18 June 2009 at 6:04 pm

    Park Community Federal Credit UnionHI Checking: 3.26%APYTerms: 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 $24,999.99Not meeting the requirements and all funds in excess of $24,999.99 will earn a base rate interest of 0.25%APY