2014 high-yield checking: Amegy Bank

Checking » High-Yield Checking » Survey » Amegy Bank

Amegy Bank in Houston offers Smart Yield Checking with a relatively low annual percentage yield, but with a large balance cap. Bankrate's 2014 High-Yield Checking Survey breaks down the returns you can get with each account and the hoops you'll have to jump through to get them.

Amegy Bank

Location: Houston

Nationally offered?APYAPY if conditions not metMonthly debit transactions requiredBill pay or automatic withdrawal required?Direct deposit required?Balance cap
Nationally offered? YAPY: 0.20%APY if conditions not met: 0.05%Monthly debit transactions required: 10Bill pay or automatic withdrawal required? Y*Direct deposit required? Y*Balance cap: $25,000


  • Smart Yield Checking: Available nationally.
  • Minimum opening deposit: $50; monthly maintenance fee: $10.
  • Minimum average monthly balance to avoid maintenance fee: $500.
  • Direct deposit of payroll, Social Security or retirement benefits, or two automatic payments per month are required.
  • Make at least 10 net signature-based transactions with your Amegy Debit Card every month or $700 monthly net spend with your Amegy Personal Credit Card.
  • Log into online banking at least once per month.
  • Receive e-statements.
  • Maintain a valid email address.
  • ATM refund: Six free, non-Amegy Bank ATM transactions per statement cycle.
  • Balance above $25,000 yields 0.10%, if requirements are met.

*See notes section for more details. 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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