Cross Keys Bank in St. Joseph, Louisiana, offers Gold Key Rewards Checking, with an annual percentage yield that’s better than average, but account holders must open the account in a branch. 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.
|Notes: *Gold Key Rewards Checking: Available nationally, but you must open the account in a branch. *Either 1 direct deposit or automatic payment is required per month. E-statements are required and you must enroll and log in to online banking. Balance above $10,000 yields 0.35%, if requirements are met. ATM fee refund: Up to $25 per statement cycle, if requirements are met. Bill-pay fee: $5 per month, if requirements are not met. Bill pay is not required on this account.|
|Location||St. Joseph, LA|
|Is it offered nationwide?||Yes*|
|Number of monthly debit transactions required||12|
|Is bill pay or automatic withdrawal required?||Yes*|
|Direct deposit required?||Yes*|
|APY above cap||0.35%|
*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.