Heartland Bank in Little Rock, Ark., offers a solid 3 percent annual percentage yield on its Interest Plus + Cash Back checking account but sticks to a middling balance cap. Bankrate’s 2013 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.

City: Little Rock, Ark.

Heartland Bank

Nationally

offered?

APY APY if

conditions

not met

Monthly

debit

transactions

required

Bill pay or automatic withdrawal required? Direct

deposit

required?

Balance

cap

N 3% 0.05% 10 Y* Y* $15,000.99
Notes: Interest Plus + Cash Back: Only available in Arkansas. One direct deposit or automatic payment per month required. Must access online banking monthly.

*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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