checking

Explore the 2012 High-Yield Checking Survey

Bankrate surveyed 158 banks, thrifts and credit unions to find the best high-yield checking accounts that have a rewards offering across the country. This year, 57 institutions offer such accounts.

This chart breaks down the interest rates offered on rewards checking accounts as well as the accounts' restrictions, requirements and other variables.

Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
Amegy Bank	Y	0.50%	10	$25,000
Arizona Bank & Trust	N	2.51%	15	$20,000
Atlantic Coast Bank	Y	1.25%	10	$15,000
Avidia Bank	Y	1.51%	10	$25,000
Bank Gloucester	Y*	2.17%	10	$25,000
Bank of the Sierra	N	1.27%	12	$25,000
BankTexas	N	2.75%	10	$10,000
Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
Cambridge Savings Bank	N	2.00%	10	$25,000
Capital Bank	Y*	2.01%	10	$10,000
Cattleman's National Bank	Y*	2.51%	12	$20,000
City National Bank (Texas)	Y	0.45%	10	None
Community Bank of Pleasant Hill	Y	2.01%	10	$10,000
Community Bank of Raymore	Y	1.75%	10	$10,000
Community National Bank of the Lakeway Area	N	2.51%	12	$10,000
Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
Coulee Bank	N	2.55%	10	$25,000
Cross Keys Bank	Y	2.50%	12	$10,000
Farmers Bank & Trust	N	2.01%	10	$25,000
First Bank & Trust (Minn.)	N	2.01%	10	$25,000
First Clover Leaf Bank	N	2.85%	10	$15,000
First National Community Bank (Pa.)	Y	0.20%	10	$25,000
First Security Bank & Trust	Y	2.30%	10	$15,000
Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
Hanmi Bank	Y	0.40%	10	$24,999.99
Heartland Community Bank	N	3.00%	10	$15,000.99
Heritage Bank	Y	1.71%	10	$25,000
Integrity Bank	Y*	2.01%	10	$25,000
Jeff Davis Bank	N	3.25%	10	$10,000
Kanza Bank	N	2.00%	12	$10,000
Lee County Bank & Trust, N.A.	N	2.50%	10	$25,000
Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
Liberty Bank	Y*	2.76%	15	$10,000
Meredith Village Savings Bank	N	0.40%	14	$25,000.99
NorStates Bank	N	0.75%	10	None
North Country Savings Bank	Y	1.50%	10	$50,000
Ouachita Independent Bank	N	3.01%	12	$15,000
Patriot Bank (Fla.)	N	1.51%	12	$25,000
Pinnacle Bank	N	2.25%	12	$25,000
Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
Premier Valley Bank	N	1.01%	10	$25,000
ProvidentNJ Direct	Y	1.00%	0	$1,000
Royal Banks of Missouri	Y*	2.67%	15	$24,999.99
Southern Community Bank and Trust	Y	0.80%	10	$25,000
State Bank of Toledo	Y	1.31%	10	$25,000
Sutton Bank	N	2.01%	11	$25,000
The Bank of Fayetteville	Y*	2.05%	10	$25,000
Institution name	Nationally offered?	APY	Monthly debit transactions required	Balance cap
The Bank of Wichitas	Y*	2.50%	10	$10,000
West Texas National Bank	Y	1.26%	10	$25,000
Westfield Bank	N	2.01%	12	$25,000
Worthington Federal Bank	N	3.01%	10	$15,000
*See institution page for more details. Note: ACH, short for "automatic clearinghouse," is the system used by U.S. banks to process a wide range of financial transactions, including automatic bill payment and direct deposit. Bankrate.com surveyed 158 banks, thrifts and credit unions from April 11 to April 18 and has displayed data on 57 high-yield checking accounts offered by those institutions.

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Updated: May 23, 2012

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Compare Checking Rates

Interest Checking average
0.51%

About our rates

Product	Yield	+/-	Last week
MMA	0.48%		0.49%
$10K MMA	0.47%		0.48%
MMA jumbo	0.61%		0.62%
Interest checking	0.51%		0.51%