The America West Bank is still offering their best reward checking that pays 3.55% APY for balances through $25000 and 1.51% for anything above that cap.

The best checking account also refunds ATM fees as long as the account holder makes on a monthly basis 10 purchases using the debit card, makes an automatic deposit, opts for electronic statement, and use the online banking facility. The rate drops to 0.30% if these conditions are not met.

The bank does not impose any monthly service fees but it will be wise to call the customer service line to inquire on the things that can affect the earnings of the account.

America West also has four levels of membership. Depending on this, your earnings will vary. The Equity and Executive membership offer 3.55% APY for the $1 to $25K tier. The Star membership gives 3.03% APY while the basic membership gets 2.52%

The Executive membership requires $5000 of deposit into the savings account. The Equity membership asks for $1000 money in the bank plus a $25K in equity investments.

Interested parties need to visit the branch of the bank to apply for this reward checking account. They have offices in St. George, Draper, Ogden Murray, and Layton in Utah.

America West Bank is covered by the FDIC with certificate # 35461.