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.
Bill pay or automatic withdrawal required?
Notes: Interest Plus + Cash Back: Only available in Arkansas. One direct deposit or automatic payment per month required. Must access online banking monthly.