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/Market	Institution Name	Main Phone	Type	Acct Name	Yield	Min to Open	Min to Avoid Fees	Monthly Svc Fee	Checks Returned In Stment	# Free Items	Per Item Fee	NSF	Special Notes	Total Income
Internet Bank	Presidential Online Bank	800-383-6266	Interest	Internet Cking Plus	6.00%	2500	1000	5.00	YES	All	0.00	15.00	Direct deposit required	$75.00
Internet Bank	American Bank	888-366-6622	Interest	American E-checking	6.25%	1	0	0.00	NO	15	0.50	25.00	Balances under $10,000 earn 6.25% APY, above $10,000 earns 4% APY	$68.75
Internet Bank	everbank.com	888-882-EVER	Interest	Interest Cking	6.01%	1500	1500	4.95	NO	All	0.00	25.00	Free web banking and online bill paying	$65.15
Internet Bank	Presidential Online Bank	800-383-6266	Interest	Internet Cking	5.00%	500	500	5.00	YES	All	0.00	15.00		$60.00
Internet Bank	Flagstar Bank, FSB	800-642-0039	Interest	Star Cking	5.00%	2000	500	5.00	NO	All	0.00	20.00		$55.00
Internet Bank	First Internet Bank of IN	888-873-3424	Interest	Interest Cking	5.00%	100	0	0.00	NO	All	0.00	25.00	Check imaging available online (no cost); $14 rebate on first order of checks; free bill pay (unlimited items).	$50.00
Internet Bank	USAccess Bank	877-3MY-BANK	Interest	Interest Cking	5.00%	50	0	0.00	NO	All	0.00	25.00		$50.00
32-New Orleans	State-Investors Bk	504-832-9400	Interest	Sunburst Cking	4.50%	1	0	0.00	NO	All	0.00	20.00		$47.50
Internet Bank	USABancShares.com	877-482-2650	Interest	Energy One Cking	5.00%	1	0	0.00	NO	All	0.00	30.00		$45.00
Internet Bank	directbanking.com	888-666-5500	Interest	Really Free Homebanking Cking	4.00%	100	0	0.00	YES	All	0.00	15.00		$45.00
Internet Bank	CompuBank	888-479-9292	Interest	Interest Cking	4.07%	1000	1000	10.00	NO	All	0.00	20.00	Check imaging viewed online.	$41.05
Internet Bank	ebank	888-278-9898	Interest	ePlus	4.07%	500	500	10.00	NO	All	0.00	20.00		$41.05
Internet Bank	Lighthousebank.com	877-668-2265	Interest	High-Interest Cking	4.00%	1	0	0.00	NO	All	0.00	25.00		$35.00
Internet Bank	National InterBank	877-468-7265	Interest	Interest Cking	4.00%	100	0	0.00	NO	All	0.00	25.00		$35.00
Internet Bank	Nexity Bank	877-738-6391	Interest	Nex-Interest Cking	4.00%	500	500	7.50	NO	All	0.00	25.00	Bill payment is free for Nex-Interest. Check imaging available	$35.00
Internet Bank	Stonebridge Bank	800-807-1666	Interest	Interest Cking	4.00%	100	0	0.00	NO	All	0.00	25.00		$35.00
Internet Bank	Claritybank.com	888-CLARITY	Interest	Interest Cking	3.56%	1000	1000	10.00	NO	All	0.00	20.00	$1,000 to avoid mo fee, $2,000 in any account to avoid fee; Overdraft protection available October 1st	$33.40
Internet Bank	Bank CaroLine	877-692-2765	Interest	Online Cking	4.00%	100	0	0.00	NO	All	0.00	27.00		$33.00
10-Washington/Internet Bank	E*Trade Bank	800-ETBANK-1	Interest	True.net Cking	3.15%	1000	1000	5.00	NO	All	0.00	15.00	Check imaging available	$32.25
Internet Bank	BankAtlantic.com	800-295-6207	Interest	eInterest Cking	4.00%	1000	1000	8.00	YES	All	0.00	28.00	Online Banking Access is free.	$32.00

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