April 12, 2016 in Banking

From Feb. 16 to Feb. 22, Bankrate canvassed banks, thrifts and credit unions across the country with high-yield checking accounts that have a rewards offering.

MASTERING YOUR MONEY: Make this the starting point on your money road map.

This table breaks down the interest rates offered on 56 rewards checking accounts, as well as the accounts’ restrictions, requirements and other variables that are important for consumers to know before opening such an account.

High-yield checking offered by banks
Institution name Is it offered nationwide? APY Number of monthly debit transactions required Balance cap
Institution name:All America Bank Is it offered nationwide? Yes APY: 1.5% Number of monthly debit transactions required: 10 Balance cap: $10,000
Institution name:Amegy Bank Is it offered nationwide? Yes APY: 0.2% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:American Bank of Huntsville Is it offered nationwide? No APY: 0.99% Number of monthly debit transactions required: 10 Balance cap: $15,000
Institution name:Arizona Bank & Trust Is it offered nationwide? No APY: 1.51% Number of monthly debit transactions required: 15* Balance cap: $20,000
Institution name:Avidia Bank Is it offered nationwide? No APY: 1.06% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:Bank of Blue Valley Is it offered nationwide? Yes APY: 1.25% Number of monthly debit transactions required: Tier 1: $1,000 per monthTier 2: $300-$999.99 per month Balance cap: $15,000
Institution name:BankGloucester Is it offered nationwide? No APY: 1.51% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:BTH Bank, NA Is it offered nationwide? No APY: 2.25% Number of monthly debit transactions required: 10 Balance cap: $7,000
Institution name:Capital Bank Is it offered nationwide? No APY: 0.75% Number of monthly debit transactions required: 10 Balance cap: $10,000
Institution name:Citizens Community Federal Is it offered nationwide? No APY: 2% Number of monthly debit transactions required: 15 Balance cap: $20,000
Institution name:City National Bank (TX) Is it offered nationwide? No APY: 1% Number of monthly debit transactions required: 15 Balance cap: $10,000
Institution name:Community Bank of Pleasant Hill Is it offered nationwide? Yes APY: 1.01% Number of monthly debit transactions required: 10* Balance cap: $10,000
Institution name:Community Bank of Raymore Is it offered nationwide? Yes APY: 1.01% Number of monthly debit transactions required: 10* Balance cap: $10,000
Institution name:Coulee Bank Is it offered nationwide? No APY: 2.55% Number of monthly debit transactions required: 10 Balance cap: $15,000
Institution name:Cross Keys Bank Is it offered nationwide? Yes* APY: 2.05% Number of monthly debit transactions required: 12 Balance cap: $10,000
Institution name:Farmers Bank & Trust Is it offered nationwide? No APY: 2.01% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:First American Bank Is it offered nationwide? Yes APY: 1% Number of monthly debit transactions required: 15* Balance cap: $15,000
Institution name:First Bank & Trust (MN) Is it offered nationwide? No APY: 1.01% Number of monthly debit transactions required: 10 Balance cap: $24,999.99
Institution name:First Security Bank & Trust Is it offered nationwide? Yes APY: 1.05% Number of monthly debit transactions required: 15 Balance cap: $15,000
Institution name:Heartland Bank Is it offered nationwide? No APY: 2% Number of monthly debit transactions required: 10 Balance cap: $15,000.99
Institution name:Heritage Bank Is it offered nationwide? Yes APY: 1.26% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:Jeff Davis Bank Is it offered nationwide? No APY: 3.25% Number of monthly debit transactions required: 10 Balance cap: $10,000
Institution name:KANZA Bank Is it offered nationwide? No APY: 2% Number of monthly debit transactions required: 12 Balance cap: $10,000
Institution name:Lee Bank Is it offered nationwide? No APY: 2.5% Number of monthly debit transactions required: 12 Balance cap: $15,000
Institution name:Lee County Bank & Trust, N.A. Is it offered nationwide? No APY: 1.1% Number of monthly debit transactions required: 10 Balance cap: $15,000
Institution name:Liberty Bank Is it offered nationwide? No APY: 1.01% Number of monthly debit transactions required: 15 Balance cap: $10,000
Institution name:Main Street Bank Is it offered nationwide? Yes APY: 2.25% Number of monthly debit transactions required: 12 Balance cap: $25,000
Institution name:Meredith Village Savings Bank Is it offered nationwide? No APY: 0.4% Number of monthly debit transactions required: 14 Balance cap: $15,000
Institution name:NorStates Bank Is it offered nationwide? Yes APY: 0.5% Number of monthly debit transactions required: 10* Balance cap: None
Institution name:North Country Savings Bank Is it offered nationwide? Yes APY: 1.26% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:Northpointe Bank Is it offered nationwide? Yes APY: 5% Number of monthly debit transactions required: 15 Balance cap: $5,000
Institution name:Ouachita Independent Bank Is it offered nationwide? Yes* APY: 3.01% Number of monthly debit transactions required: 12 Balance cap: $15,000
Institution name:Premier Valley Bank Is it offered nationwide? No APY: 0.31% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:Royal Banks of Missouri Is it offered nationwide? No APY: 1.85% Number of monthly debit transactions required: 12* Balance cap: $24,999.99
Institution name:Security Bank Is it offered nationwide? No APY: 2.05% Number of monthly debit transactions required: 10 Balance cap: $15,000
Institution name:State Bank of Toledo Is it offered nationwide? Yes APY: 0.9% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:Sutton Bank Is it offered nationwide? No APY: 1.26% Number of monthly debit transactions required: 11 Balance cap: $25,000
Institution name:The Bank of Fayetteville Is it offered nationwide? No APY: 1% Number of monthly debit transactions required: 10 Balance cap: $15,000
Institution name:The Provident Bank (Green Checking) Is it offered nationwide? Yes APY: 1% Number of monthly debit transactions required: 0 Balance cap: $1,000
Institution name:The Provident Bank (Smart Checking) Is it offered nationwide? No APY: 1.51% Number of monthly debit transactions required: 10* Balance cap: $15,000
Institution name:TriSummitBank Is it offered nationwide? Yes APY: 1.11% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:West Texas National Bank Is it offered nationwide? Yes APY: 0.5% Number of monthly debit transactions required: 10 Balance cap: $25,000
Institution name:Westfield Bank Is it offered nationwide? No APY: 2.01% Number of monthly debit transactions required: 12 Balance cap: $15,000

*See notes section for more details.

Bankrate.com canvassed banks, thrifts and credit unions Feb. 16-22, 2016, and displays data on 56 high-yield checking accounts.

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