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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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
Presidential Online Bank	800-383-6266	Interest	Internet Cking Plus	6.00%	2500	1000	5.00	All	0.00	15.00	YES	Direct deposit required	$75.00
American Bank	888-366-6622	Interest	American E-checking	6.25%	1	0	0.00	15	0.50	25.00	YES	Balances under $10,000 earn 6.25% APY, above $10,000 earns 4% APY	$68.75
everbank.com	888-882-EVER	Interest	Interest Cking	6.01%	1500	1500	4.95	All	0.00	25.00	YES	Free web banking and online bill paying	$65.15
Presidential Online Bank	800-383-6266	Interest	Internet Cking	5.00%	500	500	5.00	All	0.00	15.00	YES		$60.00
Flagstar Bank, FSB	800-642-0039	Interest	Star Cking	5.00%	2000	500	5.00	All	0.00	20.00	YES		$55.00
First Internet Bank of IN	888-873-3424	Interest	Interest Cking	5.00%	100	0	0.00	All	0.00	25.00	YES	Check imaging available online (no cost); $14 rebate on first order of checks; free bill pay (unlimited items).	$50.00
USAccess Bank	877-3MY-BANK	Interest	Interest Cking	5.00%	50	0	0.00	All	0.00	25.00	YES		$50.00
USABancShares.com	877-482-2650	Interest	Energy One Cking	5.00%	1	0	0.00	All	0.00	30.00	YES		$45.00
directbanking.com	888-666-5500	Interest	Really Free Homebanking Cking	4.00%	100	0	0.00	All	0.00	15.00	YES		$45.00
CompuBank	888-479-9292	Interest	Interest Cking	4.07%	1000	1000	10.00	All	0.00	20.00	NO	Check imaging viewed online.	$41.05
ebank	888-278-9898	Interest	ePlus	4.07%	500	500	10.00	All	0.00	20.00	YES		$41.05
Lighthousebank.com	877-668-2265	Interest	High-Interest Cking	4.00%	1	0	0.00	All	0.00	25.00	YES		$35.00
National InterBank	877-468-7265	Interest	Interest Cking	4.00%	100	0	0.00	All	0.00	25.00	YES		$35.00
Nexity Bank	877-738-6391	Interest	Nex-Interest Cking	4.00%	500	500	7.50	All	0.00	25.00	YES	Bill payment is free for Nex-Interest. Check imaging available	$35.00
Stonebridge Bank	800-807-1666	Interest	Interest Cking	4.00%	100	0	0.00	All	0.00	25.00	YES		$35.00
Claritybank.com	888-CLARITY	Interest	Interest Cking	3.56%	1000	1000	10.00	All	0.00	20.00	NO	$1,000 to avoid mo fee, $2,000 in any account to avoid fee; Overdraft protection available October 1st	$33.40
Bank CaroLine	877-692-2765	Interest	Online Cking	4.00%	100	0	0.00	All	0.00	27.00	NO		$33.00
E*Trade Bank	800-ETBANK-1	Interest	True.net Cking	3.15%	1000	1000	5.00	All	0.00	15.00	YES	Check imaging available	$32.25
BankAtlantic.com	800-295-6207	Interest	eInterest Cking	4.00%	1000	1000	8.00	All	0.00	28.00	YES	Online Banking Access is free.	$32.00
BankDirect	877-839-2737	Interest	Cking w/Interest	3.25%	100	0	0.00	All	0.00	25.00	YES	Check Imaging	$23.75

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