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Explore 2014's High-Yield Checking Survey

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From March 10 to March 13, 2014, Bankrate canvassed banks, thrifts and credit unions across the country and found 56 high-yield checking accounts offered by 54 institutions that have a rewards offering.

This table breaks down the interest rates offered on rewards checking accounts, as well as the accounts' restrictions, requirements and other variables that are important for consumers to know before opening such an account.

Institution nameNationally
offered?
APY
%
Monthly
debit
transactions
required
Balance
cap
Institution name:Amegy BankNationally offered? YAPY %: 0.20Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Arizona Bank & TrustNationally offered? NAPY %: 1.51Monthly service debit transactions required: 15*Balance cap: $20,000
Institution name:Atlantic Coast BankNationally offered? YAPY %: 0.60Monthly service debit transactions required: 10Balance cap: $20,000
Institution name:Avidia BankNationally offered? YAPY %: 1.06Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Bank of the WichitasNationally offered? Y*APY %: 2.50*Monthly service debit transactions required: 10Balance cap: $10,000
Institution name:BankGloucesterNationally offered? Y*APY %: 1.51Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:BankTexasNationally offered? NAPY %: 2.25Monthly service debit transactions required: 10Balance cap: $7,000
Institution name:Cambridge Savings BankNationally offered? NAPY %: 0.75Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Capital BankNationally offered? NAPY %: 0.75Monthly service debit transactions required: 10Balance cap: $10,000
Institution name:Citizens Community FederalNationally offered? Y*APY %: 2.00Monthly service debit transactions required: 12Balance cap: $25,000
Institution name:City National Bank (TX)Nationally offered? NAPY %: 0.20Monthly service debit transactions required: 10Balance cap: None
Institution nameNationally
offered?
APY
%
Monthly
debit
transactions
required
Balance
cap
Institution name:Community Bank of Pleasant HillNationally offered? YAPY %: 1.50Monthly service debit transactions required: 10Balance cap: $10,000
Institution name:Community Bank of RaymoreNationally offered? YAPY %: 1.50Monthly service debit transactions required: 10Balance cap: $10,000
Institution name:Community National Bank of Lakeway AreaNationally offered? NAPY %: 1.00Monthly service debit transactions required: 12*Balance cap: $10,000
Institution name:Continental BankNationally offered? YAPY %: 0.35Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Coulee BankNationally offered? NAPY %: 2.55Monthly service debit transactions required: 10Balance cap: $15,000
Institution name:Cross Keys BankNationally offered?Y*APY %: 2.05Monthly service debit transactions required: 12Balance cap: $10,000
Institution name:Farmers Bank & TrustNationally offered? NAPY %: 2.01Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:First Bank & Trust (MN)Nationally offered? NAPY %: 1.01Monthly service debit transactions required: 10Balance cap: $24,999.99
Institution name:First Clover Leaf BankNationally offered? NAPY %: 1.26Monthly service debit transactions required: 10Balance cap: $15,000
Institution name:First Security Bank & TrustNationally offered? YAPY %: 1.05Monthly service debit transactions required: 10Balance cap: $15,000
Institution name:Hanmi BankNationally offered? NAPY %: 0.20Monthly service debit transactions required: 10Balance cap: $24,999.99
Institution nameNationally
offered?
APY
%
Monthly
debit
transactions
required
Balance
cap
Institution name:Heartland BankNationally offered? NAPY %: 2.00Monthly service debit transactions required: 10Balance cap: $15,000.99
Institution name:Heritage BankNationally offered? YAPY %: 1.26Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Jeff Davis BankNationally offered? NAPY %: 3.25Monthly service debit transactions required: 10Balance cap: $10,000
Institution name:KANZA BankNationally offered? NAPY %: 2.00Monthly service debit transactions required: 12Balance cap: $10,000
Institution name:Lee BankNationally offered? YAPY %: 2.50Monthly service debit transactions required: 12Balance cap: $15,000
Institution name:Lee County Bank & Trust, N.A.Nationally offered? NAPY %: 1.10Monthly service debit transactions required: 10Balance cap: $15,000
Institution name:Liberty BankNationally offered? YAPY %: 1.76Monthly service debit transactions required: 15Balance cap: $10,000
Institution name:Meredith Village Savings BankNationally offered? NAPY %: 0.30Monthly service debit transactions required: 14Balance cap: $25,000
Institution name:NorStates BankNationally offered? NAPY %: 0.50Monthly service debit transactions required: 10*Balance cap: None
Institution name:North Country Savings BankNationally offered? YAPY %: 1.05Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Ouachita Independent BankNationally offered? NAPY %: 3.01Monthly service debit transactions required: 12Balance cap: $15,000
Institution nameNationally
offered?
APY
%
Monthly
debit
transactions
required
Balance
cap
Institution name:Premier Valley BankNationally offered? Y*APY %: 0.31Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Royal Banks of MissouriNationally offered? NAPY %: 1.85Monthly service debit transactions required: 12*Balance cap: $24,999.99
Institution name:State Bank of ToledoNationally offered? YAPY %: 1.00Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Sutton BankNationally offered? NAPY %: 1.77Monthly service debit transactions required: 11Balance cap: $25,000
Institution name:The Bank of FayettevilleNationally offered? NAPY %: 1.00Monthly service debit transactions required: 10Balance cap: $15,000
Institution name:The Provident BankNationally offered? NAPY %: 1.51Monthly service debit transactions required: 10Balance cap: $15,000
Institution name:The Provident BankNationally offered? YAPY %: 1.00Monthly service debit transactions required: 0Balance cap: $1,000
Institution name:West Texas National BankNationally offered? YAPY %: 1.26Monthly service debit transactions required: 10Balance cap: $25,000
Institution name:Westfield BankNationally offered? NAPY %: 2.01Monthly service debit transactions required: 12Balance cap: $15,000
Institution name:Worthington Federal BankNationally offered? NAPY %: 0.99Monthly service debit transactions required: 10Balance cap: $15,000

*See notes section for more details.

Bankrate.com canvassed banks, thrifts and credit unions March 10-13 and reports data on 56 high-yield checking accounts offered by 54 institutions.

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