Standard Bank and Trust Company is running a checking account promotion which gives you a chance to earn a $200 bonus. This checking account bonus is scheduled to expire on September 30, 2011. To qualify for this checking account bonus, you must open a new My Green Checking account or e-checking account and you must also meet the following requirements within 90 days from account opening:

• make at least 12 signature based purchases using your debit card, you must at least have $10 worth of purchase per transaction
• setup at least 2 payroll direct deposits worth $300 or higher for 2 consecutive cycles within 90 days from account opening

Whether you decide to open an e-checking or My Green Checking account you will still get the following benefits like no monthly fees, no maintenance fee, free online banking with bill payment, free electronic statement with check images, and free mobile banking. In addition, this best checking account has a very small opening balance of $100. Please note that you need to open this checking account online.

Aside from those benefits, if you choose My Green Checking account lets you earn an interest rate of 2.25% APY when you have a balance of up to $25,000 on you account. You also get to refund foreign ATM fees of up to $12 per month.

This checking account bonus is offered to new customers residing in the state of Indiana and Illinois only. Cash bonuses are also considered as interest and may be subject to 1099 reporting. You may also call the banks customer service line if you have questions or concerns with regard to this checking account bonus thru 866-499-2265.

Standard Bank and Trust Company has been in business since 1947. Currently, the bank has grown to have over $2.21 billion in declared assets with several branches operating in the state of Illinois and Indiana. The bank also has an FDIC certificate number 16606.

Crossroads Bank encourages consumers to take advantage of their reward checking account which provides an attractive interest rate called Effingham First Checking. You can earn an interest rate of 3.05% APY on your deposits of up to $30,000. Portion of your deposits above $30,000 will earn an interest rate of 0.75% APY. For you to qualify for these best interest rates, you must meet the following monthly requirements:

• make at least 20 debit card purchases per statement cycle
• subscribe and receive electronic bank statements every month

In case you don’t qualify this cycle, you do not have to worry since you will still earn their base interest rate of 0.10% APY. This best checking account has a minimum deposit requirement of $50 to open an account. There is no minimum balance required after opening an account or to obtain the interest rate. There are several benefits that you can enjoy with this best checking account and that includes free online banking, free online bill pays, free telephone banking, and unlimited check writing.

You are required to visit the branch to open this best checking account. You must also bring valid picture ID’s like driver’s license, state issued ID, and social security card. If you still have questions with regard to their reward checking account or requirements you may call their customer service hotline at 800-305-3930.

Crossroads Bank has 2 branches operating in Effingham, Illinois. The bank has been providing their financial services since 1974. They are also insured under FDIC with certificate number 21486.

Bank of Charles Town continues to provide attractive interest rate for their reward checking account called BCT Smart Checking. The bank has the following current interest rates for their checking account:

• 3.04% APY - balances up to $15,000
• 0.10% APY - portion of the deposit above $15,000
• $25 - can reimburse ATM fee when requirements are met

Take note that the checking account rate is current as of September 13, 2011, and this may also change any time without notice. This money in the bank deal requires a very minimal opening deposit of only $50. You only need to have a daily balance of $0.01 in order to earn this best checking account rate. You just need to follow this monthly requirements and you are good to go:

• use your debit card and make at least 12 purchases or more
• setup a direct debit or ACH direct deposit
• access internet banking at least once a month
• receive your statement electronically

If you do not qualify for this particular statement cycle, you do not have to worry since you will still earn their base interest rate of 0.10% APY. You will not be able to withdraw you ATM fees but you will still have a chance to refund it and earn their best interest rate on the following month once requirements are met. If you are thinking about the fees that may be charged on your account if you do not meet the requirements, do not worry because this best checking account has no monthly service fee nor has any minimum balance requirement.

A branch visit is required in order for you to apply and take advantage of this best checking account. Bank of Charles Town has branches in West Virginia in the cities of Martinsburg, Kearneysville, Charles Town, Harpers Ferry, and Hedgesville. For more information about their reward checking account and requirements, you may call customer service at 304-725-8431.

Bank of Charles Town was opened to serve it customers on April 4, 1871. Currently, the bank has opened a total of 5 locations in the state of West Virginia and has reached over $300 million in declared assets. The bank is also registered under FDIC certificate number 9023.

First National Bank and Trust provides an attractive interest rate for their reward checking account called e-Access Checking. This money in the bank deal lets you earn an interest rate of 3.04% APY on balances of up to $25,000. You can earn an interest rate of 0.25% APY for the portion of your deposit above $25,000. You must meet the monthly requirements in order to earn this best interest rates:

• setup at least 1 direct deposit per month
• make at least 10 debit card purchases per month
• subscribe and receive electronic statements
• must have a valid e-mail address
• access online banking at least once per month
• sole proprietor customer or consumer only

If the monthly requirements are not met, minimal interest rate will be earned for the month. You are still given a chance to earn their best checking account rate on the following month when you meet the requirements. This best checking account requires an initial deposit of $50 to open an account. After account opening, there will be no minimum balance requirements nor monthly service fee.

This best reward checking account has a lot of features like free identity theft insurance of up to $5,000, free internet banking, free online bill pay when you make up to 3 or more payments per month, free telephone banking, unlimited check writing, and overdraft privileges. In case you close your checking account 60 days after the opening date, you will have to pay for a premature closing fee of $25. The interest rate provided by the bank is subject to change without prior notice.

You may complete the application online to open an account. You can also call their customer service if you still have questions about their reward checking account or their requirements thru 251-368-3148 or 251-765-9020. You can also visit one of their branches. First National Bank and Trust has 3 branches in the city of Atmore and 1 in the city of Excel in the state of Alabama.

First National Bank and Trust has been serving its customers since 1915. They are a sizable bank with over $149 million in declared assets. The bank is also insured with FDIC and has a certificate number 2779.

Macon Atlanta State Bank invites consumers to take advantage of their reward checking account which has the best interest rate. If your deposit is $0.99 to $25,000 then you can earn an interest rate of 3.04% APY. Portion of your deposit above $25,000 can earn you an interest rate of 0.75% APY. You can also refund your ATM surcharges when you meet the monthly requirements:

• you must make 15 or more purchases using your debit card
• subscribe and receive electronic bank statement every month
• enroll and access online banking at least once a month
• you must make at least 1 ACH auto debit or 1 direct deposit

Those who were not able to meet the monthly requirements will not be able to withdraw their ATM fees and will earn the bank’s base interest rate of 0.05% APY. The good news is that this best checking account does not require any maintenance fee nor service charge and you still get to enjoy unlimited check writing.

In addition, the bank let’s you access your account and pay your bills anytime using online banking with bill payment. Please be reminded that once you open your checking account the interest rate may change without notice. Fees may also reduce the earnings of this best checking account.

You can start earning this best checking account rate when you deposit a minimum of $50 to open an account. You may complete the application online to apply or visit one of their branches near your location. The bank is headquartered in Macon, Missouri. You may also call their customer service if you still have questions with regard to their reward checking account or requirements thru 800-748-7365.

Macon Atlanta State Bank was chartered in 1893 by W.J. “Jett” Dearing. It is a sizable bank which has over $201 million in declared assets. The bank is also insured with FDIC and has a certificate number 14695.

Mazon State Bank is pushing for their reward checking account which has competitive interest rates. This money in the bank deal has an interest rate of 3.04% APY on balances up to $25,000. You can earn an interest rate of 0.50% APY for the portion of the balance above $25,000. You just need to meet this simple monthly requirements to earn this best interest rates:

• make 10 or more purchases using your debit card
• subscribe and receive electronic bank statement every month
• setup at least one external auto debit or one direct deposit
• access internet banking at least once every month

In case you do not meet the bank’s monthly requirements for this high yield checking account, you will earn a lower interest rate which is 0.25% APY. This best checking requires interested consumers to put in $1,000 to open an account. The best thing about this money in the bank deal is that it does not require a minimum balance after the account is opened nor does it have any monthly service fee. The interest rate of this best checking account may change any time after account opening, so make sure to ask the bank for their latest numbers.

A branch visit is required in order for you to open this best checking account. They have a total of 3 branches in the state of Illinois iparticularly n the cities of Diamond, Braidwood, and Mazon. If you have questions or concerns with regard to their checking account rates and requirements you may call customer service at 815-448-2143 or 815-458-9500.

Mazon State Bank has been providing financial services to individuals and business since 1944. The bank is also registered under Federal Deposit Insurance Corporation with certificate number 16179.

Bank of the Panhandle has a money in the bank opportunity with their reward checking account which offers a very attractive interest rates. You can earn an interest rate of 3.04% APY when your deposit is up to $25,000. You also earn an interest rate of 0.75% on the portion of your deposit above $25,000. You can earn this best checking account rate when you follow this simple requirements:

• make 10 or more purchases using your debit card posted on to your statement monthly
• setup 2 or more ACH transactions every month
• access your account via online banking at least once a month

This best reward checking account requires you to depost as little as $350 to open an account. Aside from this, the account does not require any minimum balance after opening the account nor does charge any monthly service fee. You also get to have a copy of your statement sent to you through your e-mail with check images. Please also remember that the interest rate listed above is subject to change anytime, so make sure to call the bank to inquire for their latest checking account rate once you decide to open an account.

It also seems that you are required to visit the bank in order to open an account. Bank of the Panhandle is located in Guymon, Oklahoma. Please do not forget to bring valid identifications since the bank may request for copies. In case you have additional questions with regard to their reward checking account, current interest rates, or requirements do not hesitate to call the bank thru 580-338-2593.

Bank of the Panhandle offers a wide range of deposit products for both personal and business needs. They have been providing this services since October 12, 1976. The bank is also insured with the FDIC and has a certificate number 22340.

Arizona Bank and Trust encourages consumers to take advantage of their best checking account called Cash Reward Checking. This money in the bank deal has the following current interest rates:

• 3.03% APY for balances of up to $20,000
• 0.26% APY for the portion of the balance above $20,000
• 0.05% APY will be earned if requirements were not met
• $20 ATM fee refund if requirements are met

To start earning this best interest rate you must first open a checking account which requires you to deposit a very minimal amount of $25. You just need to meet the bank’s 3 simple requirements to earn this best checking account rate:

• make at least 15 signature based purchases using your debit card
• setup at least 1 or more direct deposits per month
• subscribe to e-statement, make sure to provide a valid e-mail address

This best reward checking account has no minimum balance requirements nor monthly service charge. You also get unlimited check writing and free online bill pay using internet banking. Take note that the current interest rates are subject to change upon opening of your checking account. The fees may also reduce the earnings of this best checking account.

You also need to visit the branch to open an account. Arizona Bank and Trust has branches in the cities of Chandler, Phoenix, Mesa, Tempe, and Gilbert in the state of Arizona. You may want to call the bank first if you still have questions with their rewards checking account, current interest rates, and requirements thru 602-381-2234 or 888-906-4500.

Arizona Bank and Trust was opened in 2003. The bank has an FDIC insurance certificate number 57620.

The First National Bank of Dieterich continues to invite consumers to take advantage of this best reward checking account called Prime Rewards Checking. This money in the bank deal has the following current interest rates for their best checking account:

• 3.10% APY is earned on account balance up to $25,000
• 1.10% APY is earned on the portion of the account balance above $25,000
• ATM surcharges can be reimburse by simply meeting the monthly requirements
• 0.20% APY is the base interest rate, this is earned if requirements were not met

The bank has the following monthly requirement that you need to meet in order to earn this best checking account rate:

• use your debit card at least 10 times for purchases at the point of sale
• you must have a valid email address and must subscribe and receive electronic statements
• use online banking at least once a month

This best reward checking account is only available to consumers who lives in the counties of Coles, Cumberland, Clark, Crawford, Richland, Clay, Fayette, Shelby, Jasper, and Effingham in the state of Illinois. You can start earning this best interest rate when you open an account and deposit at least $25. Additional benefits include overdraft protection, no minimum balance required to earn the rewards, and no monthly service fee.

The First National Bank of Dieterich is registered with FDIC with certificate number 3787.

Union Center National Bank has a money in the bank deal with their reward checking account called Super Heart Smart Checking account. This best checking account lets you earn an interest rate of 3.10% APY if you have balance on your account of up to $30,000. An interest rate of 0.43% APY is earned for the portions of your deposit above $30,000. ATM surcharges can also be refunded when the following monthly requirements are met:

• setup a direct deposit
• make purchases using your debit card at least 15 times per cycle
• enroll online to electronic bank statement

If the bank’s monthly requirements are not met, you will not be able to refund your ATM fees and you will earn a lower interest rate which is 0.10% APY. This checking account requires you to use your debit card at least 25 times per month to avoid the monthly service fee of $5.

You can start taking advantage of this best reward checking account when you open an account. This money in the bank requires you to deposit for as little as $50 to open an account. In addition, this best checking account provides Identity Theft Protection worth $2,500. Please note that the current interest rate of this best reward checking account is subject to change without notice.

The bank requires you to visit their branch to open an account. Union Center National Bank has branches in the cities of Morristown, Summit, Springfield, Vauxhall, Madison, Catham, and Berkeley Heights in the state of New Jersey. If you need assistance in opening an account you may first call the bank’s customer service thru 800-862-3683.

Union Center National Bank is one of the oldest bank in the state of New Jersey and was opened in 1923. The bank has an FDIC certificate number 6431.

R Bank is offering their high interest checking account called R Best Checking. This money in the bank deal has the following interest rates and features if certain qualifications are met:

• 3.25% APY is earned for balances of up to $25,000
• 1.25% APY is earned on the portion of the balance above $25,000
• Refund ATM surcharges of up to $20
• 0.10% APY base rate, if qualifications are not met

The following are the bank’s monthly requirements:

• make 12 or more purchases using your debit card
• setup 1 ACH automatic payment or 1 direct deposit
• subscribe to e-statements

You can start enjoying the benefits of this high yield checking account when you open an account and make an initial deposit of at least $100. This best checking account does not charge maintenance fee nor monthly service fee. Take note that the current interest rate on this best reward checking account is subject to change anytime without prior notice.

According to the bank, this best checking account is only available to areas where they provide their services since this is just a small bank. You are also required to visit their office to open an account. They are located in Round Rock, Texas. You can call customer service if you have questions with regard to their eligibility thru 512-600-8100.

R Bank was opened in 2009. They are also an FDIC member and has a certificate number 58935.

Vision Bank Texas continues to provide competitive interest rate on their reward checking account. This best checking account has an interest rate 3.50% APY on balances of up to $25,000. You also earn an interest rate of 0.50% APY for the portion of the balance above $25,000. You can also reimburse charges incurred during ATM transactions when you meet the following requirements:

• receive electronic bank statement every month
• use debit card to make purchases for at least 12 times
• setup at least one ACH electronic payment or direct deposit

In case you do not meet these monthly requirements, your checking account will still earn the base interest rate of 0.05% APY but you will no longer be able to withdraw your ATM fees. You will still earn this best checking account rate when you meet the requirements on the next statement cycle. Please remember that the interest rate for this best reward checking account is subject to change without prior notice.

Individuals who want to take advantage of this best checking account must be living or working within the bank’s primary service areas which includes Tarrant, Rockwall, Denton, Dallas, Collin and other counties within the state of Texas. You may open an account using the online application. For questions or concerns with regard to opening a checking account and their current interest rate you may call the bank thru 972-470-1500.

Vision Bank Texas was established in 2009 and has an FDIC certificate number 58447.

View Point Bank provides attractive interest rates for their reward checking account called Absolute Checking. This best checking account has the following current interest rate:

• earn an interest rate of 4.00% APY for deposits of up to $25,000
• earn an interest rate of 0.40% APY for the portion of the balance above $25,000 to $100,000
• earn an interest rate of 0.04% APY for the portion of the balance more than $100,000

In order for you to earn the best checking account rates, you must meet the bank’s monthly requirements. You also need to deposit a minimum of $100 to open an account. The bank’s monthly requirements are as follows:

• make at least one bill payment using Qwik Pay or one direct deposit
• receive your statement via electronic bank statement
• use your debit card at least 15 times or more per statement cycle

This best reward checking account does not require a maintaining balance nor does it charge any service fee. You also get to make unlimited check writing even if you do not meet the monthly requirements. Finally, manage your account using online banking with free bill pay and email alerts about your account.

Consumers who want to take advantage of this best checking account may visit the bank’s website to apply. You just need to complete the application form and make sure to have your ID’s ready since the bank will be requesting for it. You may also contact the bank first if you have questions with regard to their reward checking account and other requirements thru 800-578-9009.

View Point Bank has branches across Northern Texas in the cities of Wylie, Richardson, Plano, Mckinney, Grapevine, Grand Prairie, Garland, Frisco, Euless, Dallas, Coppell, Carrollton, Allen, and Addison.

The bank has been serving consumers and businesses since 1952. Being one of the largest local bank in the state of Texas, View Point Bank has over $2.8 billion in assets. They are also insured under FDIC and has a certificate number 17993.

Green Belt Bank and Trust provides a money in the bank opportunity with their reward checking account called VelocitE Rewards Checking. This best checking account lets you earn an interest rate of 3.56% APY on balances up to $25,000. you will then earn an interest rate of 1.01% for the portion of the balance above 1.01% APY. Finally, you get to refund ATM fees when you meet the following requirements:

• make at least 10 or more purchases using your debit card
• subscribe to e-statement
• make at least 1 ACH automatic payment or 1 direct deposit

Account holders who do not qualify for the monthly cycle will only earn an interest rate of 0.05% APY. You can still earn this best checking account rate on the following month when you meet the bank’s requirements. Aside from this you still get to have unlimited check writing. This best reward checking account does not have monthly maintenance fee nor monthly service fee.

A branch visit is required in order to open an account. Green Belt Bank and Trust has a total of 4 branches located in the cities of Iowa Falls and Ackley in the state of Iowa. If you need assistance with regard to opening an account you may call the bank’s customer service line thru 800-648-2544.

Green Belt Bank and Trust was known to be Citizens State Bank in 1935, the year when the bank was chartered. The bank was purchased by Merle R. “Rocky” Weaver and renamed the bank in 1986. Since then, the bank has tripled it’s size and eventually opened branches in Iowa. The bank is also a member of the FDIC and has a certificate number 26760.

State Savings Bank encourages consumers to take advantage of their reward checking account. This money in the bank deal has the following current checking account rates:

• for balances up to $25,000 earns you an interest rate of 3.30% APY
• portion of your balance above $25,000 earns you an interest rate of 1.28% APY

You can start enjoying this best reward checking account rates when you open an account and follow the following requirements:

• 15 or more debit card purchases
• at least 5 ACH debit, bill payment, or auto loan payment with State Savings Bank
• at least 1 direct deposit

Account holders who do not meet the bank’s requirements will earn a lower interest rate on their best checking account which is 0.10% APY. You will still have a chance to earn their best interest rate on the following cycle when qualifications are met. Please remember that once your checking account is opened, the interest rates may change, so make sure to ask the banks representative for the latest checking account rate.

You are required to visit one of the bank’s branch to open an account. Their offices are located in the cities of West Des Moines, and Baxter in the state of Iowa. If you want to inquire about the latest interest rates for their reward checking account or requirements just call the bank’s customer service line thru 515-457-9533.

State Savings Bank is a community bank which was first named as Agriculture Bank in 1895. An FDIC insured bank which has a certificate number of 248.

Bank of the West has an ongoing promotion with their Free Checking account. This checking account bonus is offered to new customers and has the following qualifications:

• must open a free checking account with a minimum opening deposit of $100 or more
• free checking account must be opened from August 8, 2011 until September 16, 2011
• you must also establish one monthly direct deposit of at least $250 and must be made using your pension, payroll, social security, or other government benefits within the first 60 days from the time the account was opened

The bank will be paying the the $100 bonus within 60 days of meeting the requirements. This checking account bonus is available only to residents of Wyoming, Wisconsin, Washington, Utah, South Dakota, Oregon, Oklahoma, North Dakota, New Mexico, Nevada, Nebraska, Missouri, Kansas, Iowa, Idaho, Colorado, California, and Arizona. Take note that this offer is subject to change or termination without notice at the bank’s discretion.

Consumers who want to take advantage of this best checking account may apply thru the bank’s website by completing the application online. Additional benefits offered by this free checking account is their online banking with bill pay, overdraft protection, and unlimited check writing. For inquiries with regards to their current interest rate and requirements you may call customer service thru 800-488-2265.

Bank of the West was established in 1874. it is also a sizable bank with over $58 billion in assets. The bank is insured under the FDIC certificate number 3514.

Security Bank has a nice offering with their high interest reward checking account. This best checking account can earn you an interest rate of 3.28% APY on balances of up to $50,000. Portion of your deposit above $50,000 earns you an interest rate of 0.52% APY. A refund of ATM fees of up to $25 can be made if all qualifications are met:

• 10 purchases using your debit card
• at least one auto debit or direct deposit
• receive electronic bank statement
• access internet banking

In case you do not meet the requirements for the cycle, you will earn a lower interest rate of 0.05% APY. This best checking account has no monthly fee nor minimum balance requirement. Please be reminded that the earnings of this best checking account may reduce due to other fee. The interest rate may also change without notice.

There is another checking account that the bank is offering, it is a combo account which makes your rewards checking account work with your savings account. This account is called Real Rewards with Saver. For this, the checking account has a lower interest rate rather than the regular reward checking account but it gives a higher interest rate on you savings account. The following are the current interest rate of this best checking account and high interest savings account:

Real Reward Checking

• 3.23% APY can be earned on balances of up to $50,000
• 0.52% APY can be earned for the portion of the balance above $50,000
• 0.05% APY will be earned if qualifications are not met
• up to $25 worth of ATM fee can be refunded if qualifications are met

Real Saver

• 1.83% APY can be earned on balances of up to $50,000
• 0.51% APY can be earned for the portion of the balance above $50,000
• 0.05% APY will be earned if qualifications are not met

This Real Rewards with Savers account requires you to make at least 10 purchases using your debit card, make at least one auto debit or direct deposit, access your account using online banking, and finally receive your monthly statement using electronic bank statement.

Just like the regular reward checking account this combo account doe not have monthly fee nor minimum balance requirement.

This offer is open to Texas residents only. You may visit the banks website and complete the application to open an account. You may also call the banks customer service if you need assistance in opening an account or if you have other concerns thru 888-303-8298 or 800-813-5352. You may also visit one of their branches located in the cities of Spring Beach, Odessa, Monahans, Midland, Mc Camey, Crane, and Big Lake in the state of Texas.

Security Bank is also a member of FDIC and has been providing financial services to it’s customers since 1928.

Valley National Bank is running a checking account promotion which offers $150 bonus for opening one of the bank’s qualifying checking accounts. You can choose from these best checking accounts: Perfect Checking, Student Reward Checking, Basic Consumer, Senior Citizen Checking, or NOW Checking. You also need to meet the following requirements:

• $75 can be earned when you sign up for Mobile Banking Reward
• $75 can be earned when you make at least 3 online bill payment or direct deposit

The following requirements must be met 60 days from the time that the account was established. The cash reward of $150 will be credited on to your account within 90 days of opening the account. This checking account bonus is only offered to new customers.

It appears that a branch visit is required in order to open an account. Their office is located in the state of New York and New Jersey. This best checking account does not require a minimum opening balance but requires you to maintain at least $99 to avoid monthly fee of $12. For more information about the checking account promo you may call customer service thru 800-522-4100.

Valley National Bank is a sizable bank with over $14 billion in assets. The bank was established in 1927 and has been an FDIC member since then with certificate number of 9396.

Banco Popular is promoting their checking account bonus called Totally Free Checking. You can earn up to $125 bonus if qualifications are met:

• $25 will be paid when you bring your unused checks and debit card from another bank
• $50 will be paid when you setup an ACH deposit of $100 or more within 60 days from the time your checking account was opened
• $50 will be paid when you use online bill pay within 60 days of account opening

This best checking account requires you to deposit a minimum of $50 to open an account. For New York residents, you are only required to have a minimum opening balance of $25. Additional benefits of this money in the bank deal include free unlimited check writing, no monthly service charge on your account if you exceed the allowable number of withdrawals or transfers.

Totally Free Checking account requires you to have at least 5 transaction every month for 3 consecutive months in order to maintain this account. If not, your account will be converted to Flat Fee Checking account which has monthly service with no checking account bonus.

Individuals who want to take advantage of this promo must be residing in the state of California, Illinois, Central Florida, New Jersey, and New York. You may either visit the banks website to apply or visit their branch near your location. For additional information about the promotion you may call their customer service line thru 800-377-0800.

Banco Popular is a sizable institution with over $9 billion in assets. The bank was founded in 1999 and has an FDIC insurance certificate number 34967.

Orange Savings Bank continues to push for their best interest rate reward checking account. The bank has the following checking account rates:

• 3.51% APY is paid on all balances up to $35,000
• 0.50% APY is paid for the portions of the deposit above $35,000
• 0.10% APY is their Standard Interest Rate and this is paid if requirements are not met

Aside from this best interest rates offered by the bank. You get to refund ATM surcharges. You can take advantage of this best offer when you meet the following qualifications every month:

• setup one ACH auto debit or one direct deposit
• sign up and log on to your Online Banking every month
• subscribe and receive electronic statement monthly
• make 10 or more purchases on your debit card

Please note that if qualifications are not met, you will no longer have the privilege of refunding you ATM fees. It appears that you need to visit the bank to open an account. You also need to be government issued identifications like social security card and driver’s license. The minimum opening deposit for this best checking account is $100. The bank is authorize to change the interest rate of this best checking account anytime without notice.

This best reward checking account doe not require minimum deposit upon opening after the account have been opened nor charge any service fee. You may call the bank for additional questions with regard to their reward checking account thru 877-276-5550.

They have 5 offices located in the cities of Newton, McLewis, Mauriceville, Vidor, and Orange in the state of Texas.

Orange Savings Bank offers a wide range of service base on their customer needs. They have began providing these services since 1954. The bank is listed under FDIC certificate number 30696.

Liberty National Bank invites consumers who want to take advantage of the best checking account rates offered in the market at the momenmt. The bank gives their best interest rate for their reward checking account called Super Smart Checking account and another great deal with Smart Checking account.

Super Smart Checking Account

This best checking account has an interest rate of 4.01% APY for balances thru $25,000. Portions of the deposit above $25,000 receives a good yield of 0.50% APY. In addition, you also get to refund up to $8 worth of surcharges per statement cycle for ATM transactions. You must also suffice the following prerequisites every month:

• you must at least make 25 purchases with your debit card
• subscribe to electronic statement
• sign up for online bill pay

Smart Checking Account

Another attractive checking account offered by the bank called Smart Checking account has an interest rate of 3.01% APY for balances of up to $15,000. Portion of the balance above $15,000 earns you an interest rate of 0.50% APY. An amount of up to $8 of ATM fees can be refunded if qualifications are met:

• make at least 15 debit card purchases
• subscribe to e-statement
• enroll to internet banking with bill pay

Checking Account benefits

If in case you do not meet these requirements, you will still earn the bank’s base rate of 0.10% APY but you will not get to refund your ATM fees. This best reward checking also has great deals to offer like the following:

• Identity theft protection worth $2,500
• personal ID protection
• payment card protection
• online and local shopping discounts; health savings with vision, hearing and pharmacy savings
• up to 50% worth of discount for dining
• travel and hotel discounts and car rental savings for car and RV of up to 25% off
• discounts with movie rentals and tickets

Opening an account and Bank information

For you to enjoy this best offer, you just need to download the brochure and application online. Fill up the application and you may mail it bank to the bank or visit the office to submit the application with your minimum deposit of $25 to open this best checking account. This best checking account is only offered to the residents of the state of Ohio. Take note that the rates may change anytime, so make sure to check for the latest checking account rate.

If you have questions or concerns you may call or visit any of the bank’s office spread across Ohio. The bank has the following locations with their phone numbers: Marysville (937-642-0467), Kenton ( 419-673-1217), Bellefontaine (937-592-5688), and Ada (419-634-5015).

Liberty National Bank started providing its services in 1893. Liberty National Bank is an FDIC member listed under certificate 6516.

State Bank of Waterloo offers attractive interest rates for their reward checking account called Freedom Rewards Checking. This best checking account lets you earn an interest rate of 3.50% APY for balances of up to $25,000. The portion of the balance above $25K earns you an interest rate of 1.10% APY. In addition, you will be able to refund ATM fees of up to $5 when you meet the bank’s requirements.

In case you do not qualify for the month, you will not be able to refund your ATM surcharges. You will still earn their base interest rate of 0.25% APY. You also get to have unlimited check writing. This money in the bank deal does not require a maintaining balance nor monthly service fee. Additional benefits of this best reward checking account are overdraft privilege, free online bill pay, free electronic bank statement, free online banking and free identity fraud resolution services.

You start enjoying this best checking account by opening an account online by simply completing the application form and make an initial deposit of $50. You may also call their customer service line for questions with regard to their current interest rate and requirements thru 618-939-7194.

You may also want to visit one of their branches located in North Pointe, Wedge, and Valmeyer in the state of Illinois.

State Bank of Waterloo has been providing its services to its customers since 1894. The bank already have 3 branches, the most recent branch that was opened was in Valmeyer in 2007. Account holders are insured of up to $250,000 by the FDIC.

Metcalf Bank has an ongoing promotion with their checking account called My Choice Checking. You can get up to $100 bonus when you meet the following requirements:

• open a My Choice checking account and you will earn $50
• open a Save Up savings account and you will earn additional $50

You may take advantage of this checking account promo when you open an account online. For My Choice Checking account the minimum balance is $50 to open. For the Save Up savings account the minimum opening balance is $250. When you setup an automatic monthly transfer on both accounts the interest rate that you earn will be doubled. In case you do not meet the requirements you will not be able to get the bonus and you will only earn their base interest rate of 0.25% APY.

You also get to enjoy the following benefits: free ID theft protection for 6 months, free online statement, free mobile and email alerts, refund of ATM fees incurred from other banks and free mobile banking. This best checking account also requires you to maintain a balance of at least $3 every month. If the account closes within the first 120 days you will have to pay for a certain fee. The promo ends on August 31, 2011.

For additional questions or concerns with regard to the promotion you may contact the banks customer service thru 888-860-7524. You may also visit one of their branches located in the state of Kansas and Missouri.

Metcalf Bank has been providing its services since 1985 and has grown to have over $1.2 billion in declared assets. Deposits with Metcalf bank is also guaranteed by the FDIC.

Rockford Bank and Trust provides competitive interest rates for their reward checking account called U Account. This best checking account lets you earn an interest rate of 4.00% APY for balances of up to $25,000. An interest rate of 0.25% APY will be paid for the portions of the balance beyond $25K. Aside from earning this best interest rates you also get to refund up to $20 worth of ATM surcharges when you meet the following monthly requirements:

• make at least 15 debit card purchases at the point of sale
• receive monthly statement via electronic banking
• setup at least one direct debit or direct deposit
• enroll to online banking

If you were not able to meet the bank’s pre-requisites, your ATM fees will not be refunded and you will only earn the bank’s base interest rate of 0.10% APY. You still get unlimited check writing, with no monthly service fee and no maintenance fee. You may call the bank anytime to assist you with your concerns.

You can take advantage of this best reward checking account by opening an account and deposit a minimum of $100. The interest rate of this money in the bank deal is subject to change anytime without prior notice. In case the account is closed within 90 days, you will be charged a $15 fee.

To open an account, just visit the Rockford Bank and Trust offices located in North Wynman and Guilford in the state of Illinois. You may also call customer service for questions with regard to their best checking account, current interest rates and requirements thru 815-489-2114.

Rockford Bank and Trust has been in business since 2005. They are considered to be one of the largest banks in the state of Illinois and has over $272 million in declared assets. The bank is also a member of the Federal Deposit Insurance Corporation with certificate number 57927.

Coleman County State Bank is pushing for their reward checking account with attractive interest rate. This best checking account lets you earn an interest rate of 3.25% APY for balances up to $25,000. They also provide an interest rate of 1.01% APY for the portion of your balance above $25,000. Best of all, you can refund your ATM surcharges when you meet the banks qualifications:

• subscribe to electronic statement
• make 10 or more purchases using your debit at the point of sale
• setup automatic payment or direct deposit

If qualifications are not met, you will not be able to refund your ATM fee but you will still earn the banks base interest rate of 0.10% APY. You also still get to have unlimited check writing and get overdraft privilege protection. You need to deposit a minimum of $100 to open an account.

Other features of this best checking account is free online banking with bill pay, no minimum balance required to earn interest, and no monthly service fee. Please remember that the interest rates provided by the bank may change without prior notice. If you have questions with regard to current interest rates or requirements that you will need to open an account just call the banks customer service thru 325-625-2172.

The bank has a total of 3 branches located in the cities of Coleman and Abilene in the state of Texas.

Coleman County State Bank has been in business since 1936. They have reached over $73 million in assets. The bank is also a member of the Federal Deposit Insurance Corporation with certificate number 15480.

TransPecos Bank offers attractive interest rate for their reward checking account called Kasasa Cash. You can earn an interest rate of 3.33% APY for balances up to $25,000. You can earn an interest rate of 1.33% APY for the portion of the deposit above $25k. Plus, refund ATM fees when you meet the following requirements:

• make at least 10 debit card purchases at the point of sale
• setup at least one bill pay, direct deposit or automatic payment
• access internet banking at least once per statement cycle
• subscribe to electronic bank statement

If the bank’s requirements are not met for this month, you will still be able to earn their base interest rate of 0.05% APY. But you will no longer be able to refund your ATM fees. You are also required to make an initial deposit of just $1 to open an account. Take note that the current checking account rate is subject to change anytime without prior notice.

This best checking account gives you a privilege to enjoy your account with this best features: unlimited check writing, overdraft protection, no monthly fees, and no minimum balance required to earn rewards. You may also call customer service if you have questions with regard to this best reward checking account thru 432-445-9000.

The bank has several branches located in the cities of Alpine, Sierra Blanca, Marathon, and Pecos in the state of Texas.

TransPecos Bank was established in 1924. They currently have over $163 million in declared assets. The bank is also a member of the Federal Deposit Insurance Corporation with certificate number 11178.

Page County State Bank offers attractive interest rate for their best reward checking account. This money in the bank deal lets you earn their best interest rate of 3.25% APY for balances up to $15,000. The portion of your deposit above $15,000 will earn you an interest rate of 1.01% APY. Plus, you can withdraw up to $25 worth of ATM fees when you meet the following requirements:

• subscribe to electronic bank statement
• make at least 10 purchases using your debit card at the point of sale
• setup at least 1 direct deposit, ACH- bill pay and auto debit

In case you do not meet the bank’s requirements, you will not be able to refund your ATM fees but you will still earn their base interest rate of 0.25% APY. You will still have a chance to earn this best checking account rate on the following month. This reward checking account also lets you access your account and pay your bill using internet banking. It also does not charge monthly service fee nor require a minimum balance on your best checking account.

It looks like you will have to visit one of the bank’s branch located in Clarinda, Iowa to open an account so we are assuming this is a local bank deal. You can also contact the bank first before visiting their office for questions with regard to their account specifics and current interest rate thru 800-432-0387.

Page County State Bank has been in business since 1866. They have already reached over $84 million in declared assets. The bank is also insured by the Federal Deposit Insurance Corporation with certificate number 14522.

Murphy Wall State Bank and Trust Company provides the best interest rate with their reward checking account called Kasasa Cash. The bank lets you earn their best checking account with an interest rate of 3.50% APY for balances up to $10,000. 0.50% APY interest rate is earned for the portion of the balance above $10,000. in addition, you can refund your ATM surcharges when you meet the following requirements:

• make at least 10 purchases using your debit card
• setup at least 1 direct deposit or automatic payment
• subscribe to electronic bank statement
• enroll and access internet banking once per statement cycle

If you do not qualify for the month, you do not have to worry since you will still earn the bank’s base interest rate of 0.05% APY. Aside from this, you will not be able to refund your ATM fees. You will still have a chance to earn this best reward checking account in the following month as long as qualifications are met.

Some of the best features of this checking account is that you can write unlimited checks for free, no minimum balance requirement, no monthly service charge, and over draft protection. You can also pair your checking account with Kasasa Saver to earn a higher interest rate for a savings account.

Individual who wants to take advantage of this best reward checking account by simply completing the application form online and make an initial deposit of $100 to open an account. You can also call customer service for questions with regard to account specifics or current interest rates thru 877-358-6554.

The bank has a total of 2 branches located in the cities of Pinckneyville and Murphysboro in the state of Ilinois.

Murphy Wall State Bank and Trust Company opened its doors to their customers in 1874. Currently, they have over $99 million in declared assets. The bank is also insured by the Federal Deposit Insurance Corporation with certificate number 10860.

First Commercial Bank invites individuals to take advantage of the best interest rate with their reward checking account called First Rewards Checking. You can earn their best checking account rate of 3.51% APY with balance up to $25,000. An interest rate of 1.01% APY is earned for the portion of the balance above $25,000. Plus, you can refund your ATM fee of up to $50 if you meet the banks qualifications:

• make at least 12 debit card purchases at the point of sale
• setup at least 1 recurring ACH debit or direct deposit
• subscribe to e-Statement

If you do not meet the bank’s requirements, you will then earn their base interest rate of 0.05% APY and you will not be able to refund your ATM surcharges. You can absolutely enjoy this best checking account since it does not require minimum balance nor monthly service fee. Best of all, it has a low initial deposit of just $50 to open this best checking account.

Individuals who want to have this best reward checking account can visit the bank’s website to apply. Simply complete the application form online and have your ID’s ready since the bank will be requesting for it. Upon opening of your best checking account the interest rates may change, so be sure to check with the bank for the latest checking account rate. You can also call customer service for questions with regard to their reward checking account thru 800-871-3331.

The bank has several branches located in the state of Oklahoma and Colorado.

First Commercial Bank was established in 1996. They currently have over $292 million in declared assets. The bank is also a member of the Federal Deposit Insurance Corporation with certificate number 34377.

Southcoast Community Bank is still offering the best interest rate for their reward checking account. This best checking account lets you earn an interest rate of 3.00% APY for balances up to $35,000. you can earn an interest rate of 0.05% APY for the portion of the deposit above $35k. In addition, you get to refund your ATM fees when qualifications are met. The bank has the following requirements:

• make purchases using your debit card for at least 10 times per statement cycle.
• setup at least 1 automatic debit or direct deposit
• subscribe to electronic bank statement

If the reward checking account’s monthly requirements are not met, you will not be able to refund your ATM fees and you will only receive the bank’s base interest rate of 0.05% APY. This best checking account lets you monitor your account using online banking for free. You can also pay your bills online. The bank does not require any minimum balance nor any monthly service fee for this best reward checking account. This current interest rates are subject to change without prior notice.

You can visit the bank’s website and complete the application form to be able to enjoy this best checking account. You are also required to make an initial deposit of $100 to open an account. If you still have questions with regard to this best reward checking account and their current interest rates you may call the bank thru 877-884-0504.

You may also go to one of the banks offices located in the cities of Summerville, Mount Pleasant, Moncks Corner, Johns Island, Goose Creek, and Charleston in the state of South Carolina.

Southcoast Community Bank has been serving its customers since 1998. They have also grown to have over $469 million in declared assets. The bank is also a member of the Federal Deposit Insurance Corporation with certificate number 34774.