Sutton Bank of Attica, Ohio, offers 1.26% annual percentage yield on its Free Rewards Checking, 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.

Sutton Bank
Notes: Free Rewards Checking: Available to Ohio residents. *1 direct deposit or automatic payment per month is required. ATM fee refund: Up to $5 per transaction, if requirements are met. Balance above $25,000 yields 0.5%, if requirements are met.
Location Attica, OH
Is it offered nationwide? No
APY % 1.26%
Default APY 0.05%
Number of monthly debit transactions required 11
Is bill pay or automatic withdrawal required? Yes*
Direct deposit required? Yes*
E-statements required? Yes
Balance cap $25,000
APY above cap 0.5%

*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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