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Bankrate's 2016 high-yield checking survey: Banks

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From Feb. 16 to Feb. 22, Bankrate canvassed banks, thrifts and credit unions across the country with high-yield checking accounts that have a rewards offering.

This table breaks down the interest rates offered on 56 rewards checking accounts, as well as the accounts' restrictions, requirements and other variables that are important for consumers to know before opening such an account.

High-yield checking offered by banks
Institution nameIs it offered nationwide?APYNumber of monthly debit transactions requiredBalance cap
Institution name:All America BankIs it offered nationwide? YesAPY: 1.5%Number of monthly debit transactions required: 10Balance cap: $10,000
Institution name:Amegy BankIs it offered nationwide? YesAPY: 0.2%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:American Bank of HuntsvilleIs it offered nationwide? NoAPY: 0.99%Number of monthly debit transactions required: 10Balance cap: $15,000
Institution name:Arizona Bank & TrustIs it offered nationwide? NoAPY: 1.51%Number of monthly debit transactions required: 15*Balance cap: $20,000
Institution name:Avidia BankIs it offered nationwide? NoAPY: 1.06%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:Bank of Blue ValleyIs it offered nationwide? YesAPY: 1.25%Number of monthly debit transactions required: Tier 1: $1,000 per month
Tier 2: $300-$999.99 per month
Balance cap: $15,000
Institution name:BankGloucesterIs it offered nationwide? NoAPY: 1.51%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:BTH Bank, NAIs it offered nationwide? NoAPY: 2.25%Number of monthly debit transactions required: 10Balance cap: $7,000
Institution name:Capital BankIs it offered nationwide? NoAPY: 0.75%Number of monthly debit transactions required: 10Balance cap: $10,000
Institution name:Citizens Community FederalIs it offered nationwide? NoAPY: 2%Number of monthly debit transactions required: 15Balance cap: $20,000
Institution name:City National Bank (TX)Is it offered nationwide? NoAPY: 1%Number of monthly debit transactions required: 15Balance cap: $10,000
Institution name:Community Bank of Pleasant HillIs it offered nationwide? YesAPY: 1.01%Number of monthly debit transactions required: 10*Balance cap: $10,000
Institution name:Community Bank of RaymoreIs it offered nationwide? YesAPY: 1.01%Number of monthly debit transactions required: 10*Balance cap: $10,000
Institution name:Coulee BankIs it offered nationwide? NoAPY: 2.55%Number of monthly debit transactions required: 10Balance cap: $15,000
Institution name:Cross Keys BankIs it offered nationwide? Yes*APY: 2.05%Number of monthly debit transactions required: 12Balance cap: $10,000
Institution name:Farmers Bank & TrustIs it offered nationwide? NoAPY: 2.01%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:First American BankIs it offered nationwide? YesAPY: 1%Number of monthly debit transactions required: 15*Balance cap: $15,000
Institution name:First Bank & Trust (MN)Is it offered nationwide? NoAPY: 1.01%Number of monthly debit transactions required: 10Balance cap: $24,999.99
Institution name:First Security Bank & TrustIs it offered nationwide? YesAPY: 1.05%Number of monthly debit transactions required: 15Balance cap: $15,000
Institution name:Heartland BankIs it offered nationwide? NoAPY: 2%Number of monthly debit transactions required: 10Balance cap: $15,000.99
Institution name:Heritage BankIs it offered nationwide? YesAPY: 1.26%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:Jeff Davis BankIs it offered nationwide? NoAPY: 3.25%Number of monthly debit transactions required: 10Balance cap: $10,000
Institution name:KANZA BankIs it offered nationwide? NoAPY: 2%Number of monthly debit transactions required: 12Balance cap: $10,000
Institution name:Lee BankIs it offered nationwide? NoAPY: 2.5%Number of monthly debit transactions required: 12Balance cap: $15,000
Institution name:Lee County Bank & Trust, N.A.Is it offered nationwide? NoAPY: 1.1%Number of monthly debit transactions required: 10Balance cap: $15,000
Institution name:Liberty BankIs it offered nationwide? NoAPY: 1.01%Number of monthly debit transactions required: 15Balance cap: $10,000
Institution name:Main Street BankIs it offered nationwide? YesAPY: 2.25%Number of monthly debit transactions required: 12Balance cap: $25,000
Institution name:Meredith Village Savings BankIs it offered nationwide? NoAPY: 0.4%Number of monthly debit transactions required: 14Balance cap: $15,000
Institution name:NorStates BankIs it offered nationwide? YesAPY: 0.5%Number of monthly debit transactions required: 10*Balance cap: None
Institution name:North Country Savings BankIs it offered nationwide? YesAPY: 1.26%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:Northpointe BankIs it offered nationwide? YesAPY: 5%Number of monthly debit transactions required: 15Balance cap: $5,000
Institution name:Ouachita Independent BankIs it offered nationwide? Yes*APY: 3.01%Number of monthly debit transactions required: 12Balance cap: $15,000
Institution name:Premier Valley BankIs it offered nationwide? NoAPY: 0.31%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:Royal Banks of MissouriIs it offered nationwide? NoAPY: 1.85%Number of monthly debit transactions required: 12*Balance cap: $24,999.99
Institution name:Security BankIs it offered nationwide? NoAPY: 2.05%Number of monthly debit transactions required: 10Balance cap: $15,000
Institution name:State Bank of ToledoIs it offered nationwide? YesAPY: 0.9%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:Sutton BankIs it offered nationwide? NoAPY: 1.26%Number of monthly debit transactions required: 11Balance cap: $25,000
Institution name:The Bank of FayettevilleIs it offered nationwide? NoAPY: 1%Number of monthly debit transactions required: 10Balance cap: $15,000
Institution name:The Provident Bank (Green Checking)Is it offered nationwide? YesAPY: 1%Number of monthly debit transactions required: 0Balance cap: $1,000
Institution name:The Provident Bank (Smart Checking)Is it offered nationwide? NoAPY: 1.51%Number of monthly debit transactions required: 10*Balance cap: $15,000
Institution name:TriSummitBankIs it offered nationwide? YesAPY: 1.11%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:West Texas National BankIs it offered nationwide? YesAPY: 0.5%Number of monthly debit transactions required: 10Balance cap: $25,000
Institution name:Westfield BankIs it offered nationwide? NoAPY: 2.01%Number of monthly debit transactions required: 12Balance cap: $15,000

*See notes section for more details.

Bankrate.com canvassed banks, thrifts and credit unions Feb. 16-22, 2016, and displays data on 56 high-yield checking accounts.

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Bankrate's 2016 high-yield checking survey Choose the right account, and you could earn hundreds of dollars on your checking.
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