Indiana-based FORUM Credit Union , is offering the best checking account deal with earnings as much as 3.75% APY for balances through $25000. The top rates can be enjoyed if the account holder makes at least 10 purchases using the debit card (signature based), make a minimum $50 direct deposit, and choose to receive electronic statements.

This money in the bank deal has the usual features offered by reward checking accounts like zero monthly fees, no monthly balance requirements, free use of Bill Pay, and 8 free ATM transactions per month on non-Forum machines.

Residents of Indiana counties can sign-up for membership. In case you don’t live in the area, you may qualify through employee select group and family. The union requires a deposit of at least $5 into a savings account for membership.

FORUM Credit Union has offices in Carmel, Noblesville, Fishers, and Avon.

FORUM is covered by the NCUA under charter number 68248.

The best interest rates of as much as 3.05% APY is being offered by Bank of Choice in Colorado , through their Choice Reward Checking Account money in the bank deal.

The earnings of the best checking account can be enjoyed through balances of up to $35000 with deposits above the amount yielding 0.49%, and meeting the following requirements:

Complete at least 8 purchases using the MasterCard debit card
Set up a direct deposit or automatic withdrawal
Opt for electronic statements

The rate drops to 0.49% if the account holder fails to meet the requirements of the Choice reward checking account.

Interested consumers can checkout page 3 of the rate table of the bank. This can be opened through the bank’s website. It does not mention of any ATM fee refunds like the other offers in the market. It will be best to call the bank if you need to clarify some of the features of their best reward checking account.

The reward checking account can be opened by consumers living in the service areas of Bank of Choice. They have offices spread across Colorado specifically in Windsor, Fort Collins, Platteville, Greeley, and Evans.

The American River HealtPro , a Californian Credit Union, has the best checking account deal which gives 3.20% APY for balances through $25000 with the amount above the cap earning 0.15%.

The rates have dropped a bit since last month but still remain very competitive.

The best checking account rates can be enjoyed if the account holder meets certain requirements:

The earnings drop to 0.15% if the requirements are not met. The bank also charges a fee of $5.95 in case the Bill Pay feature is inactive after 2 months.

The Bonus Checking with the American HealthPro requires a minimum balance of $1500 to gain interest.

Membership to the credit union is open for residents and employees in Yolo, Placer, El Dorado, or Sacramento. American HealthPro has offices in CA offices like Sacramento, Rancho Cordova, Carmichael, and Roseville.

The union is covered by the NCUA under its charter number 68345.

The First Community Bank invites consumers to take advantage of their good money in the bank deal through their best reward checking account that earns 4.01% APY for balances through $35000. Amounts above the set cap will earn 1.00% APY.

The best checking account offer in this Alabama bank also refunds ATM fees given that requirements are met. Refunds come when account holder completes at least 10 transactions using the check card, set up an auto debit through ACH or make a direct deposit, and opt to receive for electronic statements.

The rate drops to 0.15% if the above prerequisites are not met.

The bank gives the first booklet of check for free. The good checking account deal does not require any minimum opening deposit, monthly minimum balance, nor does it collect any monthly service fees.

Interested consumers may visit any of their branches in Alabama. They have offices in Spanish Fort, Saraland, Mt. Vernon, Millry, Citronelle, Chatom, and Mobile.

The bank is insured with the FDIC with certificate number 14720.

The Bank of the Wichitas offers their best rewards checking account that earns 5.25% APY for balances up to $10000. Amounts above the set ceiling will earn 2.25% APY.

This best checking account offer can be enjoyed without having to worry about minimum balance requirements.

Every statement cycle ATM fees incurred from any corner of the globe will be refunded as long as the account holder completes 10 purchases using the check card and opt for electronic statements. The rate drops 0.25% if these are not sufficed.

It seems that a branch visit may be needed to open an account. Interested parties only need $100 to initially fund the checking account. Like any financial institution, Bank of Wichita will ask some questions to verify your identity.

The Bank of Wichitas has over 60 years of history. Their offices are spread across Oklahoma particularly in Snyder, Elgin, Medicine Park, and Cache.

The bank is insured with the FDIC with certificate # 4198.

Consumers of the American Nation Bank has reasons to put their money in the bank with the high interest best reward checking offered by the American National Bank at 5.00% APY. This top rate is offered for balances with a cap of $25000 while 0.35% earnings apply to amounts above the ceiling.

ATM fees of as much as $25 per cycle can be refunded to account holders given that they make at least 12 purchases using the Visa Check Card, make an autodebit or direct deposit, use online banking, and opt for electronic statements. The rate drops to 0.35% if these requirements are not met.

The account can initially be funded with $50 without having to worry about minimum balance requirements. The bank also does not collect monthly service charges for their best reward checking account.

Interested individuals may visit branches of the American National Bank to inquire about the program and open an account. Their offices are spread across Fremont, Nebraska which is around 25 miles from Omaha.

FDIC covers the bank through its certificate # 24481.

Consumers can take advantage of the best reward checking account being offered by the First City Bank in Florida. The high yield is at 3.51% APY for balances through $50000 and gives out 1.01% for anything above that cap.

ATM fees of as much as $25 is also being given back to the account holder as long as they meet the monthly requirements of making a direct deposit or ACH debit, opt for electronic statements, sign up for the online banking, and make at least 10 purchases using the check card.

The rate of the account drops to 0.26% if the monthly criteria are not sufficed.

The best checking account of First City Bank does not impose any monthly service fees and only requires $100 to open an account. Another good thing about this offer is that the first set of checks is free.

It seems that this checking account is offered on a nationwide scale. The website of the bank has an online application facility. The bank will be calling the applicant to verify some information prior to approval. The forms will be sent via mail so the account holder can accomplish the signature requirements.

Fees and changes to the rate may occur at any time and affect the income of the checking account.

First City Bank is headquartered in Fort Walton Beach in Florida. They are covered by certificate # 16748 of the FDIC.

The People’s Community FCU invites members to join the Loyalty Checking program which is a reward checking account that earns 4.00% APY for balances through $50000. and 0.25% for any amount above the set cap.

One good perk about the account is the refund of ATM fees of as much as $100 per month as long as the account holder can meet the following requirements: make at least 10 purchases using the debit card, deposits at least $350, use the billpay system or CU@Home for at least 3 transactions, and opt for electronic monthly statements.

The rates drop to 0.25% if the requirements are not met. The bank only requires an initial funding of $100 to open an account.

Residents, employees, or church attendees in Skamania, Clark, or Cowlitz counties are eligible for membership. A $5 balance in the Carefree Saving account is required for membership.

Interested members can use the online application form to apply for the Loyalty Checking program and enjoy the benefits of their best reward checking account.

The union has offices in Battle Ground and Vancouver in Washington.

The NCUA covers the People’s Community FCU under its charter # 24713.

The Community State Bank is still pushing for their best reward checking account that pays 5.01% APY for balances through $25000 and gives 0.50% for any amount above this ceiling.

Aside from the best interest rates, the checking account also refunds ATM fees of up to $20 per cycle. This requires fulfillment of certain criteria which include opting for electronic statement, using the Visa Check card for at least 12 purchases, and completion of an ACH debit or direct deposit.

The rate will be 0.15% in case the above requirements are not met by the account holder.

All it takes to open an account is $100. The bank does not collect any monthly service charge.

If you are planning to open multiple accounts, this one is not for you. The Community State Bank limits one account per social security number.

A branch visit is necessary to open an account. Consumers can go to their offices in Paddock Lake, Waterford, Sturtevant, Rochester, Mt. Pleasant, Kansasville, Union Grove, and Burlington.

The bank is insured with the FDIC since 1934 with certificate # 9536.

The Southcoast Community Bank in South Carolina invites consumers to take advantage of their Reward Checking Checking that gives 4.01% APY for balances through $50000 and gives 0.61% for amounts above the set cap.

The best checking account also returns ATM fees as long as the account holder meet the monthly requirements of making an automatic payment, complete 10 purchases using the check card, make a direct deposit, and opt for an electronic statement.

The rate drops to 0.05% if the monthly requisites are not meant. The account can be opened with an initial deposit of $100.

The account does not impose any monthly fees nor does it require any minimum balance.

The rate on this best reward checking is still posted on the bank’s website as of March 23 but it will be best to call the bank since this can be changed any time.

Interested individuals may visit the branches of Southcoast Community Bank. They have offices across South Carolina specifically in N. Charleston, Goose Creek, Summerville, Johns Island, Moncks Corner, Mt. Pleasant, and Charleston.

The bank is covered by the FDIC with certificate # 34774.