Lee County Bank & Trust in Fort Madison, Iowa, offers only a 1.1% annual percentage yield on The Big Account, and it’s available only in Iowa, Illinois and Missouri. Bankrate’s 2016 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.

Lee County Bank & Trust
Notes: The Big Account: Available to Iowa, Illinois and Missouri residents. *Either 1 direct deposit or automatic payment. E-statements and access of online banking are required monthly. ATM fee refund: Up $25 per month and $5 per transaction, if requirements are met. Balance above $15,000 yields 0.1%, if requirements are met.
Location Fort Madison, IA
Is it offered nationwide? No
APY % 1.1%
Default APY 0.05%
Number of monthly debit transactions required 10
Is bill pay or automatic withdrawal required? Yes*
Direct deposit required? Yes*
E-statements required? Yes
Balance cap $15,000
APY above cap 0.1%

*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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