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.

Cross Keys Bank
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*
APY % 2.05%
Default APY 0.05%
Number of monthly debit transactions required 12
Is bill pay or automatic withdrawal required? Yes*
Direct deposit required? Yes*
E-statements required? Yes
Balance cap $10,000
APY above cap 0.35%

*See notes section for more details. canvassed banks, thrifts and credit unions Feb. 16-22, 2016, and displays data on 56 high-yield checking accounts.

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