Coulee Bank in La Crosse, Wisconsin, offers Kasasa Cash checking, with a relatively high annual percentage yield. But it is available only to residents of Wisconsin, Iowa and Minnesota. Bankrate’s 2016 High-Yield Checking Survey breaks down the returns you can get with each account and the hoops you’ll have to jump through to get them.

Coulee Bank
Notes: Kasasa Cash: Available in Wisconsin, Iowa and Minnesota. *Either 1 direct deposit or automatic payment per cycle is requred, as are e-statements. Balance above $15,000 yields 0.3%, if requirements are met. ATM fee refund: Up to $20 per month, if requirements are met.
Location La Crosse, WI
Is it offered nationwide? No
APY % 2.55%
Default APY 0.1%
Number of monthly debit transactions required 10
Is bill pay or automatic withdrawal required? Yes*
Direct deposit required? Yes*
E-statements required? Yes
Balance cap $15,000
APY above cap 0.3%

*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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