Colorado and Kansas consumers has a great money in the bank deal that they can take advantage of, Girard National Bank still offers their reward checking account that earns as much as 5.01% APY for deposits through $25,000. Initial funding needed to open an account is $100.

The current interest rates for balances over $25K gains 1.01% APY. The base interest rate for those who cannot meet the monthly requirements is 0.25%. The bank also offers unlimited refund of ATM fees incurred anywhere in the United States.

The best checking account has the following monthly requirements:

Account holder must complete 10 purchases using the MasterCard Debit card
Make at least 1 direct deposit or an automatic payment
Use online banking
Choose electronic statements over printed out bank statements

The bank does not collect any monthly fees nor do they set any balance requirements.

The micro website of the bank gives access to an online application form for those who want to take advantage of the high checking account interest rates. You still need to drop by one of their branches to complete the process.

Girard National Bank has several branches in Kansas specifically in the cities of Westmore, Hiawatha, Holton, Clay Center, Offerie, Bucklin, Yates Center, and Girard. They also have Colorado offices particularly in Eads and Lamar.

The bank has strong ratings coming Bankrate.com and BauerFinancial which both issued 4 stars. The bank is a member of the FDIC since 1934 and insured through certificate number 4673.