2014 high-yield checking: Atlantic Coast Bank

Checking » High-Yield Checking » Survey » Atlantic Coast Bank

Atlantic Coast Bank in Jacksonville, Florida, offers its High Tide Rewards Checking, with a low annual percentage yield for this type of account. But it also offers a high 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.

Atlantic Coast Bank

Location: Jacksonville, FL

Nationally offered?APYAPY if conditions not metMonthly debit transactions requiredBill pay or automatic withdrawal required?Direct deposit required?Balance cap
Nationally offered? YAPY: 0.60%APY if conditions not met: 0.05%Monthly debit transactions required: 10Bill pay or automatic withdrawal required? Y*Direct deposit required? Y*Balance cap: $20,000


  • High Tide Rewards Checking: Available nationally.
  • At least one direct deposit or one automatic payment per month is required to post and clear.
  • Have a valid email address on file and receive electronic statements.
  • Amount over $20,000 yields 0.30%, if requirements are met.
  • ATM refunds: Up to $25 per statement cycle, if requirements are met.
  • ATM fee refunds are auto transferred to the Sunrise Savings account.
  • The advertised High Tide Rewards Checking APY is based on compounding interest. The interest earned in High Tide Rewards Checking is automatically transferred to the Sunrise Savings account each statement cycle and does not compound at the current High Tide Rewards Checking APY. Instead, the interest will compound at the Sunrise Savings APY, which is less than the High Tide Rewards Checking APY.
  • Sunrise Savings APY: 0.50% APY applies to balances of $0.01 to $100,000, and 0.30% APY applies to balances over $100,000, if qualifications are met. APY is 0.05%, if qualifications are not met.
  • Sunrise Savings minimum to open: $5. Sunrise Savings: No fee.

*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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