Institution | State | APY | APY Limit | Monthly Requirements |
Rocky Mountain Bank
Rates as of Sep. 15th | Montana | 6.01% | up to $25,000 | At the present time, Rocky Mountain Bank is accepting accounts only from its local service areas. Electronic statements, use your free debit card, at least one direct deposit or automatic payment |
Rio Bank
Rates as of Sep. 15th | Texas | 5.50% | up to $25,000 | e-Checking Plus - minimum of 10 debit card transactions, minimum of 5 Online Bill Pay payments thru IPay, 1 Direct Deposit per month, receive monthly electronic bank statement |
First Clover Leaf Bank
Rates as of Sep. 14th | Illinois | 5.25% | up to $25,000 | My Great Rate Checking - 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit, 3 online bill payments. Must come in person to open account. |
Farmers Bank and Trust
Rates as of Sep. 14th | Arkansas | 5.01% | up to $25,000 | 10 check card transactions, at least one direct deposit or ACH auto debit, enroll and receive electronic statements, and access on-line banking |
Southern Missouri Bank
Rates as of Sep. 15th | | 5.01% | up to $0 | Account available only to residents of Missouri and Arkansas - Premium Rewards checking - Make at least 12 check card transactions and Set up one monthly direct deposit or automatic payment |
Bank of Blue Valley
Rates as of Sep. 14th | Kansas | 5.01% | up to $25,000 | To open account please go to one of their five banking centers and speak with a Personal Banker. Performance Checking - 12 signature-based debit card transactions, at least one direct deposit or ACH auto debit |
Kansas State Bank
Rates as of Sep. 15th | Kansas | 4.55% | up to $25,000 | Free Rewards Checking - 10 check card transactions, electronic statements, one direct deposit or ACH auto debit, access online activity at least once |
Cross County Bank
Rates as of Sep. 14th | Arkansas | 4.51% | up to $30,000 | Limited to Arkansas residents only. 10 debit card point of sale transactions, receive monthly statements electronically, set up one direct deposit or one ACH auto debit monthly. |
Focus Bank
Rates as of Sep. 14th | Missouri and Arkansas | 4.51% | up to $25,000 | MAXimum Free Checking 10 debit card transactions, electronic statements, access online banking |
First Arkansas Bank & Trust
Rates as of Sep. 14th | Arkansas | 4.44% | up to $50,000 | 10 debit card transactions, electronic statements, at least one direct deposit, auto ACH debit, or online bill payment, at least one log-in to online banking |
The First National Bank of Wynne
Rates as of Sep. 15th | Arkansas | 4.33% | up to $25,000 | 10 VISA check card transactions, electronic statements, one direct deposit or ACH auto debit |
Page Valley Bank
Rates as of Sep. 15th | Virginia | 4.25% | up to $25,000 | Geographic Restrictions - Contact bank for details. 10 VISA check card transactions, electronic statements, access online banking at least once, at least one direct deposit or direct debit. |
Crossroads Bank
Rates as of Sep. 14th | Illinois | 4.10% | up to $30,000 | Account must be opened in person in Effingham, IL. Effingham First Checking - 20 VISA debit card transactions excluding ATM transactions, receive electronic statements. |
Noble Bank and Trust
Rates as of Sep. 15th | Alabama | 4.05% | up to $25,000 | Noble Horizons - 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
TriStone Community Bank
Rates as of Sep. 15th | Florida, Georgia, North Carolina | 4.05% | up to $25,000 | MoneyMax Checking - 12 VISA debit card transactions excluding ATM transactions, receive electronic statements, at least one direct deposit or ACH auto debit |
Progress Bank (FL)
Rates as of Sep. 15th | Florida | 4.04% | up to $25,000 | 12 point of sale debit transactions, e-statement and at least one direct deposit or ACH |
Keystone Bank
Rates as of Sep. 15th | Alabama | 4.04% | up to $25,000 | 10 MasterCard Debit Card purchases, set up one Direct Deposit or Auto Debit from your account, enroll and receive your bank statements electronically |
Coulee Bank
Rates as of Sep. 14th | Wisconsin | 4.04% | up to $25,000 | 10 debit card transactions, electronic statements, at least one direct deposit |
Heartland Community Bank
Rates as of Sep. 15th | Arkansas | 4.02% | up to $30,000 | Interest Plus Checking Account 10 check card transactions, electronic statements, at least one direct deposit or auto ACH debit, access online banking once |
Montgomery Bank
Rates as of Sep. 15th | Missouri | 4.01% | up to $0 | Montgomery ebluechecking |
First Banking Center
Rates as of Sep. 14th | | 4.01% | up to $0 | 10 debit card transactions, electronic statements, at least one direct deposit |
New Mexico Bank & Trust
Rates as of Sep. 15th | New Mexico | 4.01% | up to $20,000 | Accepting accounts only from local service areas. Cash Rewards Checking - 12 signature-based debit card transactions, one automatic payment or direct deposit, receive electronic statements |
Tri-County Bank and Trust
Rates as of Sep. 15th | Iowa | 4.01% | up to $25,000 | 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
Arizona Bank and Trust
Rates as of Sep. 14th | Arizona | 4.01% | up to $20,000 | At the present time accounts accepted only from local service areas. 12 debit card transactions, electronic statements, make and automatic payment or direct deposit. |
Southeast National Bank
Rates as of Sep. 15th | Illinois | 4.01% | up to $25,000 | Free Reward Checking - 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit |
The First National Bank of Dieterich
Rates as of Sep. 15th | Illinois | 4.01% | up to $25,000 | Prime Rewards Checking account is available only for residents of the following Illinois counties: Effingham, Jasper, Shelby, Fayette, Clay, Richland, Crawford, Clark, Cumberland and Coles. Requirements: 10 debit card transactions, electronic statements, access online banking at least once |
Opportunity Bank
Rates as of Sep. 15th | Texas | 4.01% | up to $25,000 | 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto-debit, log-in at least once |
Bank of Little Rock
Rates as of Sep. 14th | Arkansas | 4.01% | up to $25,000 | Kasasa Cash - 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit |
Charter Bank
Rates as of Sep. 14th | New Mexico | 4.01% | up to $25,000 | Turbo Checking - 10 check card transactions, electronic statements, at least one direct deposit, access online activity at least once |
Capital Bank
Rates as of Sep. 14th | North Carolina | 4.01% | up to $25,000 | Smart Checking - 10 debit card transactions, electronic statements, at least one direct deposit or auto-debit |
Lake City Bank
Rates as of Sep. 15th | Indiana | 4.01% | up to $25,000 | 8 POS debit card transactions, electronic statements, one direct deposit or ACH auto debit |
Orange Savings Bank
Rates as of Sep. 15th | Texas | 4.01% | up to $25,000 | 10 debit card transactions, electronic statements, access online banking at least once, sign-up for direct deposit or receive a recurring ACH |
All America Bank
Rates as of Sep. 15th | Oklahoma | 4.00% | up to $25,000 | Better Than Free Checking - 10 check card transactions, electronic statements |
Southern Community Bank and Trust
Rates as of Sep. 15th | North Carolina | 4.00% | up to $25,000 | ME Banking - 10 debit card transactions, electronic statements, at least direct deposit or automatic draft |
Tioga State Bank
Rates as of Sep. 15th | New York | 4.00% | up to $25,000 | Confirmed enrollment in TSB Online E Statements, 12 or more purchases with TSB debit card, one direct deposit or ACH debit per qualification cycle |
Peoples Bank
Rates as of Sep. 15th | Tennessee | 3.91% | up to $50,000 | Interest Reward Checking - 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit |
MidwestOne Bank
Rates as of Sep. 15th | Iowa | 3.90% | up to $25,000 | Power Checking - 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
Westbury Bank
Rates as of Sep. 15th | Wisconsin | 3.75% | up to $50,000 | Offer valid for Wisconsin residents only - Ideal Checking - 10 debit card transactions, electronic statements, at least one direct deposit |
Community First National Bank
Rates as of Sep. 14th | Missouri, Arkansas | 3.75% | up to $25,000 | Free Reward Checking - 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
Community West Bank
Rates as of Sep. 14th | California | 3.75% | up to $25,000 | Great Rate Checking - 10 debit card transactions, electronic statements, at least one direct deposit. |
Heritage Community Bank
Rates as of Sep. 15th | NJ | 3.51% | up to $25,000 | 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit, access online banking |
Bank of Ripley
Rates as of Sep. 14th | Tennessee | 3.51% | up to $25,000 | Perform the following each cycle: make at least 10 Debit Card transactions, receive electronic statements, access Online Banking |
First East Side Savings Bank
Rates as of Sep. 14th | | 3.51% | up to $25,000 | Reward Checking - 10 debit card transactions, 1 direct deposit and electronic statements |
First Robinson Savings Bank
Rates as of Sep. 14th | Indiana, Illinois | 3.51% | up to $25,000 | Accounts available in Crawford Co., IL and Knox Co., IN and their surrounding counties. Reward Checking - 10 debit card transactions, electronic statements, process one online bill payment or 3rd party electronic payment. |
Sutton Bank
Rates as of Sep. 15th | Ohio | 3.51% | up to $25,000 | 11 check card transactions, at least one direct deposit or ACH auto-debit, electronic statements |
Bank of Idaho
Rates as of Sep. 14th | Idaho | 3.51% | up to $25,000 | Account available if you're in Idaho Falls, Ashton, Pocatello or in any of Bank of Idaho's other Eastern Idaho locations.10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit, Idaho residents only |
Citizens Bank Minnesota
Rates as of Sep. 14th | Minnesota | 3.51% | up to $25,000 | 10 check card transactions, receive electronic statements, at least one direct deposit or one automatic payment |
Butler Bank
Rates as of Sep. 14th | Massachusetts | 3.50% | up to $40,000 | Free Advantage Checking - during monthly qualification period: 10 debit card purchases, at least one direct deposit or ACH debit, receive eStatements with online banking |
Bank of Fayetteville
Rates as of Sep. 14th | Arkansas | 3.50% | up to $50,000 | Smart Checking - 10 VISA check card transactions, electronic statements, at least one direct deposit or ACH payment, sign on to online banking |
M&F Bank
Rates as of Sep. 15th | | 3.50% | up to $0 | Summit Checking 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit, log-in to online banking at least once |
Marlborough Co-Operative, A Division of Butler Bank
Rates as of Sep. 15th | Massachusetts | 3.50% | up to $40,000 | Free Advantage Checking - during monthly qualification period: 10 debit card purchases, at least one direct deposit or ACH debit, receive eStatements with online banking |
Legence Bank
Rates as of Sep. 15th | Indiana, Illinois | 3.25% | up to $25,000 | Serving Southern Illinois and Evansville, Indiana Area. First Rewards Checking 10 POS debit card transactions, receive electronic statements, one direct deposit / online bill payment / or ACH auto debit, access online banking |
NewPortFed
Rates as of Sep. 15th | Rhode Island | 3.10% | up to $50,000 | eLoop Checking - 10 check card transactions, electronic statements, access online banking at least once, at least one for direct deposit or ACH |
Wilson Bank and Trust
Rates as of May. 5th | Tennessee | 3.04% | up to $50,000 | 10 check card transactions, electronic statements, at least one direct deposit or ACH auto debit |
Monroe Bank and Trust
Rates as of Sep. 15th | Michigan | 3.01% | up to $25,000 | Performance Checking - 15 debit card transactions, electronic statements, receive e-mail reminders, at least one direct deposit of a payroll check or retirement check |
Community Bank of Pleasant Hill
Rates as of Sep. 14th | Missouri | 3.01% | up to $25,000 | 10 POS debit card transactions, have at least one ACH direct deposit or ACH auto debit, receive electronic statements, |
State Bank of Texas
Rates as of Sep. 15th | Texas | 3.01% | up to $100,000 | 15 check card transactions, electronic statements, at least one ACH or direct deposit , at least one online bill payment |
Rollstone Bank and Trust
Rates as of Sep. 15th | Massachusetts | 3.01% | up to $100,000 | All-In-One Checking - 10 debit card transactions, receive electronic statements, direct deposit either payroll, pension, or social security payments |
Haverhill Bank
Rates as of Sep. 15th | Massachusetts | 3.01% | up to $50,000 | 10 debit card transactions, electronic statements, at least one direct deposit or ACH auto debit. You must maintain an online account with a current e-mail address. |
State Bank of Toledo
Rates as of Sep. 15th | Ohio | 3.01% | up to $70,000 | Hometown Reward checking - 10 debit card transactions, electronic statements, at least one direct deposit |
Premier Bank
Rates as of Sep. 15th | Florida | 3.01% | up to $50,000 | Super Interest Checking - 12 check card transactions, electronic statements, one direct deposit or pre-authorized electronic payment |
Legacy Bank
Rates as of Sep. 15th | Oklahoma | 3.00% | up to $50,000 | Win/Win Checking - 12 check card transactions, $100 opening deposit, electronic statements, sign up for direct deposit |
BankNewport
Rates as of Sep. 14th | Rhode Island | 2.76% | up to $100,000 | Account available to residents living in Rhode Island and Southeastern Massachusetts. Go Checking - 12 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit. |
Clinton Savings Bank
Rates as of Sep. 14th | Arkansas | 2.76% | up to $50,000 | Total Access Checking - 10 debit card transactions, electronic statements, at least one direct deposit or auto ACH debit |
Bank of Illinois
Rates as of Sep. 14th | Illinois | 2.75% | up to $25,000 | VIP Elite Checking - 10 check card transactions, electronic statements, at least one direct deposit or recurring ACH |
Southbridge Savings Bank
Rates as of Sep. 15th | Massachusetts | 2.75% | up to $50,000 | Key Rewards checking - 10 debit card POS transactions, electronic statements, at least one direct deposit or ACH auto debit |
Home State Bank
Rates as of Sep. 15th | Colorado | 2.34% | up to $25,000 | 10 debit card transactions, electronic statements, at least one direct deposit |
North Middlesex Savings Bank
Rates as of Sep. 15th | Massachusetts | 2.28% | up to $50,000 | Max Checking - Must live within market area to open an account. 12 debit card transactions, electronic statements, at least one direct deposit |
Bank of Hiawassee
Rates as of Sep. 14th | Open to all states | 2.21% | up to $99,999 | 10 debit card transactions, electronic statements, at least one direct deposit, at least one online bill payment |
Bank of Blairsville
Rates as of Sep. 14th | Open to all states | 2.21% | up to $99,999 | 10 debit card transactions, electronic statements, at least one direct deposit, at least one online bill payment |
Bank of Blue Ridge
Rates as of Sep. 14th | Open to all states | 2.21% | up to $99,999 | 10 debit card transactions, electronic statements, at least one direct deposit, at least one online bill payment |
Dime Savings Bank
Rates as of Sep. 14th | | 0.75% | up to $0 | Prime Dime Rewards Checking - Direct deposit required, $5000 average daily balance required to avoid monthly fees. |