Highest Reward Checking Rates


Are you searching for the best checking account rates? Reward checking accounts offer the  highest checking account rates you can find from a bank or credit union. The top rate on a reward checking account is usually only applied to a preset balance amount, after which the rate drops to a secondary-tier rate APY.  In order to earn the highest rate, a reward checking account customer has to meet certain requirements every statement cycle. Requirements can include things like receiving statements online, using debit or credit cards, paying bills online or receiving a monthly direct deposit into your account. The good news for eco-friendly banking customers is that nearly all of the requirements have positive environmental benefits and can help you save money each month.


To find the top reward checking account rates near you, review the list below.



Highest Yielding Reward Checking Accounts


  • La Capitol Federal Credit Union, 5.25% APY on balances up to $5,000, Louisiana-only, link
  • Southern Bank, 5.01% APY on balances up to $25,000, Missouri and Arkansas residents only, link
  • American National Bank of DeKalb County, 4.25% APY on balances up to $25,000, initial deposit must be between $50-$5,000, link
  • North Carolina Bank and Trust, 4.25% APY on balances up to $25,000, North Carolina and South Carolina-only, link
  • Liberty National Bank, 4.11% APY on balances up to $10,000, Oklahoma-only, link
  • Center National Bank, 4.11% APY on balances up to $15,000, available in areas in Minnesota, link
  • RCB Bank, 4.10% APY on balances up to $15,000, available in Kansas and Oklahoma, link
  • Community Bank and Trust Company, 4.09% APY on balances up to $25,000, available in Tennessee, link
  • Select Bank and Trust, 4.08% APY on balances up to $25,000, $100 minimum opening deposit, branch visit required in North Carolina, link
  • Bankwest, 4.07% APY on balances up to $10,000, 1.51% APY on balances between $10K to $49,999,  $100 minimum opening deposit, available in South Dakota, link
  • Texas Bank, 4.07% APY on balances up to $25,000,minimum opening deposit $100, Texas residents only, link
  • National Bank of Arkansas, 4.06% APY on balances up to $15,000, opening deposit $50, Arkansas-only, link
  • Bank2, 4.01% APY on balances up to $15,000, 1.01% APY on balances over $15,000 if requirements met, Oklahoma-only, link
  • Pelican State Credit Union, 4.01% APY on balances up to $30,000, Louisiana-only,  link
  • Capital Bank, 4.01% APY on balances up to $10,000, North Carolina residents only, link
  • First State Bank, 4.01% APY on balances up to $15,000, Tennessee residents only, link
  • MB Financial Bank, 4.01% APY on balances up to $10,000, Branches in Illinois and Pennsylvania, link
  • Viewpoint Bank, 4.00% APY on balances up to $25,000, Texas residents only, $100 minimum opening deposit, link
  • Coppermark Bank, 4.00% APY on balances up to $25,000, available in Oklahoma and Texas, no minimum balance requirement, link
  • The Bank of Edwardsville, 3.80% APY on balances up to $25,000, Edwardsville, Illinois-area only, link
  • Citizens National Bank, 3.75 APY on balances up to $25,000, Tennessee-only,  link
  • United Mississippi Bank, 3.51% APY on balances up to $25,000, Mississippi-only, link
  • NavyArmy Federal Credit Union, 3.51% APY on balances up to $25,000, serving Corpus Christi, Texas-area,  link
  • B&K Bank, 3.25% APY on balances up to $30,000, Louisiana area only,  link
  • Incommons Bank, 3.01% APY on balances up to $25,000, Texas resident only, link
  • The East Carolina Bank, 3.01% APY on balances up to $25,000, North Carolina residents only, ATM-refunds up to $2o a statement cycle, link
  • Beacon Federal Bank, 3.00% APY on balances up to $25,000, Massachusetts-only, link

 

 

Banks listed are insured by FDIC. Credit unions listed are insured by NCUA. Monthly requirements to earn the highest reward checking account rate vary at each financial institution. Restrictions and fees can apply. Add your bank to our list by sending us your information here.

 

 

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Comments
5 Responses to “Highest Reward Checking Rates”
  1. Empress Maynard says:

    I need to move money immediately into a checking account in another bank. My daughter uses Green Bank in NC , however, I live in SW Virgina and don’t seem to be able to find a Virginia Green Bank. Can you please advise.

    • You could choose a green bank that has online and mobile banking platforms that allow you to do everything you could do at a branch bank. This is the truly eco-friendly way to bank.

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