Patriot Bank of Trinity, Fla., north of Tampa Bay, Fla., requires 12 debit transactions per month on its Revolutionary Checking but has a relatively low 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: Trinity, Fla.

Patriot Bank

Nationally

offered?

APY APY if

conditions

not met

Monthly

debit

transactions

required

Bill pay or automatic withdrawal required? Direct

deposit

required?

Balance

cap

Y* 1.51% 0.05% 12 Y* Y* $10,000
Notes: Revolutionary Checking: Available nationally but needs to be opened in person or have paperwork notarized. One direct deposit or automatic payment per month required. Must log into 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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