The ranking is based on a $1,500 monthly balance held in a checking account for one year, with average account activity of 12 transactions per month and one bounced check per year. Simple interest is credited to the account if it is interest-bearing.
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City Name	Institution Name	Main Phone	Type	Acct Name	Yield	Min to Open	Min to Avoid Fees	Monthly Svc Fee	# Free Items	Per Item Fee	NSF	Overdraft Protection Offered?	Special Notes	Total Income
32-New Orleans	State-Investors Bk	504-832-9400	Interest	Sunburst Cking	4.50%	1	0	0.00	All	0.00	20.00	YES		$47.50
10-Washington	E*Trade Bank	800-ETBANK-1	Interest	True.net Interest Cking	3.15%	1000	1000	5.00	All	0.00	15.00	YES	Check imaging available.	$32.25
06-Detroit	Flagstar Bk	248-338-7700	Interest	Classic Cking	2.80%	50	500	5.00	All	0.00	20.00	YES	NSF: $25 if paid.	$22.00
18-Baltimore	Arundel Fed	410-355-9300	Interest	NOW Cking	2.78%	250	250	5.00	All	0.00	20.00	NO		$21.70
14-Seattle	Washington FS&L	206-624-7930	Interest	Performance Cking w/ Interest	2.63%	1000	1000	8.00	40	0.20	18.00	NO		$21.45
20-Phoenix	Washington FS&L	602-468-2767	Interest	Performance  Cking w/ Interest	2.63%	1000	1000	8.00	40	0.20	18.00	NO		$21.45
26-Portland, OR	Washington FS&L	503-226-1300	Interest	Performance Cking w/ Interest	2.63%	1000	1000	8.00	40	0.20	18.00	NO		$21.45
04-San Francisco	Luther Burbank Svgs	415-457-6990	Interest	Regular Interest Cking	2.05%	500	500	5.00	All	0.00	10.00	YES		$20.75
04-San Francisco	Luther Burbank Svgs	415-457-6990	Interest	Unlimited Money Market Cking	2.05%	1000	1000	10.00	All	0.00	10.00	YES		$20.75
14-Seattle	Frontier Bk	425-514-0731	Interest	Interest Cking	2.28%	100	750	7.00	20	0.20	16.00	YES	Monthly svc. fee reduced by $1 if checks are not returned.	$18.20
30-Columbus	United Midwest Bk	614-538-9400	Interest	Interest NOW Cking	2.53%	200	200	4.00	All	0.00	20.00	NO		$17.95
32-New Orleans	Crescent B&T	504-525-4381	Interest	Money Market Account	2.53%	1000	1000	10.00	All	0.00	20.00	YES		$17.95
28-Norfolk	Essex Svgs Bk	757-539-1555	Interest	Interest Cking	2.79%	1000	500	6.00	All	0.00	25.00	NO		$16.85
21-Tampa	Bay Financial Savings Bank	813-886-5626	Interest	NOW Cking	2.78%	50	750	6.00	All	0.00	25.00	NO	Monthly svc. fee waived  with direct deposit.	$16.70
17-St. Louis	Collinsville B&LA	618-344-3172	Interest	NOW Cking	2.02%	100	500	5.00	All	0.00	15.00	NO	Tiered interest.	$15.30
25-Kansas City	First Federal Bk	816-245-4300	Interest	First Interest Cking	2.02%	10	1000	10.00	All	0.00	15.00	YES	Monthly svc. fee reduced by $2 if checks are not returned.	$15.30
22-Denver	FirstBank Of CO	303-232-2000	Interest	Money Market Cking	2.00%	500	500	9.00	All	0.00	15.00	YES	Monthly svc. fee reduced by $2 if checks are not returned. Check safekeeping available. NSF: $24 if paid.	$15.00
19-Pittsburgh	Bell Fed S&L	412-734-2700	Interest	Cking w/ Interest	2.53%	100	100	7.00	All	0.00	25.00	YES		$12.95
20-Phoenix	National Bk Of AZ	800-655-7622	Interest	Money Market Cking	2.27%	1000	1500	9.50	All	0.00	22.00	YES	Check imaging fee: $2.	$12.05
34-Buffalo	Bk of Holland	716-537-2264	Interest	NOW Account	1.80%	1000	1000	5.00	20	0.25	15.00	YES	$1,000 bal. required to earn interest.	$12.00

* Annual percentage yield is represented by the heading APY in the table above.