2013 high-yield checking: First National Community Bank

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First National Community Bank in Dunmore, Pa., offers its Maximum Earnings Account, with an annual percentage yield that’s on the low end, but it can be earned on a higher-than-average balance. 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: Dunmore, Pa.

First National Community 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 0.2% 0.05% 10 Y* Y* $25,000
Notes: Maximum Earnings Account: Available nationally. One direct deposit, automatic payment or online bill payment required per month.

*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.