Snyder, Oklahoma-based Bank of the Wichitas’ Wichita Rewards Checking offers a higher-than-average annual percentage yield and does not require bill payment or automatic withdrawal to earn it. Bankrate’s 2015 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.

Bank of the Wichitas

Location: Syder, OK

Nationally offered? Y*
APY % 1.5
Default APY % 0.25
Monthly debit transactions required 10
Bill pay or automatic withdrawal required? N
Direct deposit required? N
E-statements required? Y
Balance cap $10,000
APY % above cap 0.5

Wichita Rewards Checking: Available nationally but must be opened at a branch. Direct deposit, bill pay and automatic payments are not required. Balance above $10,000 earns 0.5%, if requirements are met. ATM fee refund: Up to $25 per statement cycle, if requirements are met.

*See notes section for more details. canvassed banks, thrifts and credit unions from March 16 to March 25 and has displayed data on 56 high-yield checking accounts.

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