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Reward Checking Accounts

With countless checking account options offered by every banking institution, how is one to make a choice? We scoured the internet and compiled the latest checking account rates to help you make a decision. Below is a list of the best checking account rates sorted by highest to lowest rates.

Bank Account Rates Min $ Max $
Consumers Credit Union (IL)
Rewards Checking - Tier A
4.09%*-$10k
Genisys Credit Union
Genius Checking
4.07%*-$7.5k
Evansville Teachers FCU
Vertical Checking (Qualifying)
3.30%-$20k
Hope FCU
Checking Plus
3.01%*-$10k
Market USA FCU
VIP Checking Platinum Tier
3.01%*-$15k
HMBradley
HMBradley Account w/ Savings Tier 1 (20%+ Saved) - Qualifying
3.00%-$100k
Lake Michigan Credit Union
Max Checking
3.00%$1$15k
Western Vista FCU
Panorama Checking
2.53%*-$15k
Great Lakes Credit Union
FREE Checking - qualifying rate
2.50%*-$10k
Oklahoma Central Credit Union
Momentum Checking with Rewards
2.50%*-$10k
Presidential Bank (MD)
Advantage Checking
2.25%*-$25k
Bellco Credit Union
Boost Interest Checking
2.25%*-$25k
Hiway Credit Union
Hi Yield Checking
2.02%*$1k$25k
La Capitol FCU
Choice Checking
2.00%*-$10k
Elements Financial
High Interest Checking
2.00%*$100$20k
Capital Educators FCU
High Yield Checking
2.00%*-$10k
Ideal Credit Union
High Yield Checking
2.00%*-$20k
Prospect Bank
Kasasa Cash
1.80%*-$15k
Wings Financial Credit Union
High Yield Checking
1.76%*-$25k
Connexus Credit Union
Xtraordinary Checking
1.75%*-$25k
Pawtucket Credit Union
Advantage Checking
1.50%*-$20k
Garden Savings FCU
Platinum Checking
1.50%*-$15k
Signature FCU
High Yield Checking
1.50%-$20k
Industrial Bank
Kasasa Cash
1.47%*-$15k
Workers Credit Union
High Interest Checking
1.26%*-$15k
United Educators Credit Union
High Yield Checking
1.25%*-$10k
Heritage Bank
eCentive Account
1.02%*-$25k
Quontic Bank
High Interest Checking
1.01%*-$150k
Bank of the Sierra
Sierra Reward Checking - Qualifying
1.01%*-$25k
City National Bank
Kasasa Cash
1.00%*-$10k
Northwest FCU
Kasasa Cash
1.00%*-$50k
One American Bank
Kasasa Cash
1.00%*-$10k
Hanscom FCU
Kasasa Cash Checking
1.00%*-$15k
Marine FCU
Kasasa Cash Checking
1.00%*-$10k
Orion FCU
Premium Checking
1.00%*-$15k
Tampa Bay FCU
Reward Checking
1.00%*-$5k
T-Mobile MONEY
Checking Account - Qualifying
1.00%*--
First Technology FCU
Dividend Rewards Checking
1.00%-$10k
Axos Bank
Rewards Checking - 5 Qualifications
1.00%-$50k
Customers Bank
Bonus Checking - New Money
1.00%-$100k
Nationwide by Axos Bank
Advantage Checking - All Qualifiers
0.90%-$150k
First Security Bank & Trust
Kasasa Cash
0.80%*-$15k
Bay State Savings Bank
Kasasa Cash
0.75%*-$20k
Country Bank (MA)
Kasasa Cash Checking
0.75%*-$20k
America's Credit Union
Affinity Plus Checking
0.75%-$25k
First National Community Bank
Wise Rewards Checking
0.75%-$15k
Community Bank of Raymore
Kasasa Cash
0.51%-$10k
Achieva Credit Union
Achieva Checking Plus
0.50%*$1$15k
BMTX
BankMobile Vibe Up Checking
0.50%*-$15k
Redneck Bank
Redneck Rewards Checking
0.45%*-$10k

What to consider when opening a checking account

We have provided you a list of the best checking rates but when shopping around for a checking account, don’t just focus on getting the best interest rate. Also, consider the account’s features and service fees. We suggest online banks because they tend to require low or even zero minimum deposits.

When looking at checking accounts, look out for fees. Checking accounts are more likely to come with fees than savings accounts. These can include monthly service fees, overdraft fees, overdraft protection fees, the cost of checks and more. Be careful of monthly service fees. Always look for accounts that give you a monthly service fee waiver, otherwise those fees will erode your savings.

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