This survey was conducted in March 2010. Find the latest checking account yields.

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
Credit Unions
Institution name
Nationally offered?
APY Monthly debit transactions required Balance cap
Addison Avenue FCU Yes 3.01% 12 $25,000.00
Advantage Plus FCU No – Credit union area only 3.71% 12 $15,000.00
BECU No – Credit union area only 6.17% None $500.00
Connexus Credit Union Yes 3.25% 15 $25,000.00
Consumers Credit Union Yes 4.09% 12 $25,000.00
First New England FCU Yes 4.1% 12 $15,000.00
MidWest America FCU Yes 3.01% 10 $25,000.00
Pacific Resource Credit Union Yes 3.56% 10 $25,000.00
Provident Credit Union No – Credit union area only 2.51% 10 $25,000.00

<< Back to the 2010 High-Yield Checking Study

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