North Country Savings Bank in Canton, New York, offers 1.26% annual percentage yield on its Kasasa Cash account, but it has a high balance cap. 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.

North Country Savings Bank
Notes: Kasasa Cash: Available nationally. Advantage Checking: Available nationally. *Either 1 direct deposit or automatic payment is required per month. E-statements required. All ATM fees are refunded, if requirements are met. Balance above $25,000 yields 0.35%, if requirements are met.
Location Canton, NY
Is it offered nationwide? Yes
APY % 1.26%
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 $25,000
APY above cap 0.35%

*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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