2010 High-Yield Checking Study » Study results
Bankrate surveyed 211 banks and credit unions to find the best high-yield checking accounts across the country. Fifty-eight institutions offer such accounts.
To see the details of each institution's high-interest checking account, click on the name of the bank or credit union.
Banks
Institution name | Nationally offered? | APY | Monthly debit transactions required | Balance cap |
| Amegy Bank | Yes | 2% | 10 | $25,000.00 |
| AmericaNet Bank | Yes | 4% | 10 | $10,000.00 |
| American National Bank | Yes | 4.05% | 12 | $25,000.00 |
| Arizona Bank & Trust | No - Phoenix market only | 4.01% | 15 | $20,000.00 |
| Atlantic Coast Bank | Yes | 3.25% | 10 | $25,000.00 |
| The Bank of Fayetteville | Yes | 3.2% | 10 | $50,000.00 |
| Bank of Hiawassee & Bank of Blairsville | Yes | 1.5% | 10 | $99,999.99 |
| Bank of the Sierra | No - Calif. and W.Va. only | 4.09% | 12 | $25,000.00 |
| Bank of the Wichitas | No - Okla. only | 4% | 10 | $10,000.00 |
| BankTexas | Yes | 3.25% | 10 | $25,000.00 |
| Cambridge Savings Bank | No - Mass. only | 4% | 15 | $25,000.00 |
| Capital Bank | Yes | 4.01% | 10 | $10,000.00 |
| Cattleman's National Bank | No - Banking area only | 4.01% | 12 | $35,000.00 |
| CBDirect Bank | Yes | 3% | 10 | None |
| City National Bank (Texas) | Yes | 1.68% | 10 | None |
| Colonial Savings | No - Banking area only | 1.51% | 5 | $25,000.00 |
| Community Bank of Pleasant Hill | Yes | 2.51% | 10 | $25,000.00 |
| Community Bank of Raymore | Yes | 2.51% | 10 | $25,000.00 |
| Community National Bank of Lakeway Area | No - Ala., Fla., Ga., Miss., N.C., S.C., Tenn. only | 3.76% | 12 | $25,000.00 |
| Coulee Bank | Yes | 3.33% | 10 | $25,000.00 |
| Cross Keys Bank | Yes | 3.25% | 12 | $25,000.00 |
| Danversbank | Yes | 4.01% | 12 | $25,000.00 |
| Evantage Bank | Yes | 4% | 10 | $10,000.00 |
| First Bank & Trust (Minn.) | Yes | 4.01% | 10 | $24,999.00 |
| First Clover Leaf Bank | Yes | 4.01% | 10 | $25,000.00 |
| First National Community Bank | Yes | 3.04% | 10 | $25,000.00 |
| First Security Bank & Trust | Yes | 4.01% | 10 | $25,000.00 |
| Founders Bank | No - Texas only | 4.26% | 10 | $10,000.00 |
| Hanmi Bank | No - Calif. only | 0.75% | 10 | $24,999.00 |
| Heritage Bank | Yes | 2.14% | 10 | $25,000.00 |
| Integrity Bank | Yes | 4.01% | 10 | $25,000.00 |
| Jeff Davis Bank | Yes | 4.01% | 10 | $15,000.00 |
| KANZA Bank | Yes | 4% | 12 | $25,000.00 |
| Lee County Bank & Trust | Yes | 2.75% | 10 | $25,000.00 |
| Liberty Bank | Yes | 3.51% | 15 | $25,000.00 |
| Meredith Village Savings Bank | No - N.H. only | 3.51% - 6-mo
/2% after | 14 | $25,000.00 |
| Nevada State Bank | Yes | 2.25% | 10 | $25,000.00 |
| NorStates Bank | No - Ill. and Wis. only | 3.50% | 10 | $25,000.00 |
| North Country Savings Bank | Yes | 3% | 10 | $50,000.00 |
| Ouachita Independent Bank | Yes | 3.15% | 12 | $25,000.00 |
| Patriot Bank (Fla.) | Yes | 3.01% | 10 | $50,000.00 |
| Premier Valley Bank | No - Banking area only | 3.56% | 10 | $25,000.00 |
| ProvidentNJ Direct | Yes | 2.51% | 10 | $25,000.00 |
| Southern Community Bank & Trust | Yes | 4% | 10 | $25,000.00 |
| State Bank of Toledo | Yes | 2.51% | 10 | $25,000.00 |
| Sutton Bank | No - Banking area only | 3.01% | 11 | $25,000.00 |
| ViewPoint Bank | Yes | 4% | 15 | $50,000.00 |
| West Texas National Bank | Yes | 2.01% | 10 | $25,000.00 |
| Worthington Federal Bank | No - Ala., Tenn. and Ga. only | 1.75% | 10 | None |
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