California-based Provident Credit Union offers a 2.01% annual percentage yield on its Super Reward Checking with a relatively high balance cap. 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.

Provident Credit Union
Notes: Super Reward Checking: Available to residents living in the credit union’s area or participating companies and union groups. *At least $300 in debit/credit purchases required each month and either 1 direct deposit or automatic payment; e-statements are required. ATM fees refunded up to $2.50 per transaction. Balance above $25,000 yields 0.08%, if requirements are met.
Location Redwood City, CA
Is it offered nationwide? No
APY % 2.01%
Default APY 0%
Number of monthly debit transactions required 1*
Is bill pay or automatic withdrawal required? Yes*
Direct deposit required? Yes*
E-statements required? Yes
Balance cap $25,000
APY above cap 0.08%

*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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