• 3.00% APY for balances up to $25,000
• 1.00% APY for balances of $25,000.01 to $50,000
• 0.50% APY for balances of $50,000.01 and above
• 0.10% APY base interest rate

You can start earning this best interest rate when you meet the credit union’s checking account requirements. Here are the following list of the monthly requirements:

• subscribe and receive e-statements
• sign up and access online banking with bill pay every month
• setup at least one direct deposit into your checking account
• make at least 15 purchases using your debit card

If you did not meet the requirements during the qualifying cycle, you will earn their base interest rate on the entire balance of your checking account. You do not have to worry since you still get a chance to earn this reward interest rate on the next monthly cycle when qualifications are met.

Good news to individuals who wants to take advantage of this best reward checking account, this does not require any minimum balance to open an account. The checking account does not charge any monthly service fee even if you do not meet the monthly requirements and you also get to enjoy unlimited check writing.

You need to become a member of Collins Community Credit Union first before you can start enjoying the benefits of this best reward checking account. Membership with the credit union Is open individuals who live or work, or businesses located in the counties of Washington, Muscatine, Louisa, Keokuk, Jones, Johnson, Iowa, Delaware, Cedar, Buchanan, Benton, and Linn.

Membership application form is available online, all it takes is just 10 minutes to complete your application. You will be requested to provide the following information: social security number, driver’s license number, current address, date of birth, and telephone number. You also need to open a share savings account which will require a minimum deposit of only $5. Finally, you need to submit a copy of your government issued ID.

You may contact the credit union’s customer service line to get additional information about their reward checking account, current interest rate, and field of membership thru 319-393-9000. Collins Community Credit Union has several branches located in the cities of Marion, Cedar Rapids, and North Liberty in the state of Iowa.

Collins Community Credit Union has been serving its members since 1940. They are known to be one of the largets credit union in the nation with 63,922 members with over $670 million in declared assets. The credit union is a member of the National Credit Union Association and has a charter number 62969.

• 3.00% APY can be earned on balances up to $25,000
• 0.50% APY can be earned on balances over $25,000
• $15 worth of ATM fees that can be refunded every month when all qualifications are met

You can start enjoying this best checking account rate when you meet the monthly requirements. The following are list of the bank’s monthly requirements:

• have at least 10 signature based purchases using your debit card
• setup at least one direct deposit of payroll or Social Security
• sign up and receive electronic bank statement

In case you do not meet the bank’s prerequisites, you do not have to worry since you still get to earn their base interest rate of 0.05% APY. But, you will no longer be able to qualify to refund your ATM surcharges. You are given a chance to earn this reward checking account rate on the following cycle when all requirements are met.

This best checking account has other features that you can take advantage of even if you do not meet the monthly requirements and these includes unlimited check writing, no monthly service fee, no maintenance fee, and overdraft protection of up to $25 annually. In addition, you also get to access your account using their online banking and telephone banking.

A branch visit is required for you to open an account. You also need to submit a copy of valid picture ID or identifying documents since the bank will be asking for it. To get additional information about this best reward checking account, current interest rates, or requirements you may contact their customer service line at 920-496-8802 or 920-224-1400. Nicolet National Bank has several branches located in the states of Wisconsin and Michigan.

Nicolet National Bank was opened in 2000. The bank insured with FDIC and has a certificate number 57038.

• sign up to online banking
• receive electronic bank statement
• setup at least 1 direct deposit
• make at least 15 debit card purchases

If you do not qualify for the month, you do not have to worry since you will earn their base interest rate of 0.10% APY on the entire balance of your account. In addition, this account also functions as free checking account. So even you do not meet the monthly requirements, there will be no monthly service fee charge on your account. You also get a chance to earn this best interest rate on the following cycle once all qualifications are met.

This money in the bank deal requires you to deposit a minimum of $100 to open an account. This best checking account has no minimum balance requirement after account has been opened and to earn this best interest rate. You also get to enjoy unlimited check writing and receive an ATM card or Exclusive Visa debit card available upon approval. Please note that the dividend rate may change anytime without notice.

You can also use the bank’s free online banking to make bill payments, view your monthly statements, and check for the latest deals that the bank has to offer. Another option is to use their telephone banking which pretty much has the same functions.

Individuals who wants to take advantage of this best reward checking account may visit one of the bank’s office to apply. Please remember to bring valid picture identification like social security card, driver’s license, or state issued ID since the bank may request for a copy. If you still have questions with regard to their reward checking account or current interest rate please call customer service at 928-783-3334 or 866-384-3226. 1st Bank Yuma has 4 branches located in Yuma, Arizona.

1st Bank Yuma was established in 2001. All deposit accounts with the bank are insured of up to $250,000 with the Federal Deposit Insurance Corporation and has a certificate number 57298.

• enroll and receive electronic bank statement every month
• setup at least 1 direct deposit, bill pa, or ACH debit monthly
• make 10 purchases using your debit card every month

In case you do no meet the criteria for the month, your checking account will earn the base interest rate of 0.10% APY on the entire balance of your account. At the same time, you will no longer be qualified for reimbursing your ATM fees. But you do not have to worry because you can still earn this best checking account rate on the following monthly cycle when all qualifications are met.

This best reward checking account provides additional benefits that you can enjoy even if you do not meet the monthly requirements and these includes unlimited check writing, free online banking with bill pay, free electronic bank statement, free debit card, no monthly service fees,and no minimum balance required. Take note that the interest rate of this reward checking account may change anytime without prior notice.

Persons who want to become a member of Warren Federal Credit Union must live, worship, work, or attend school within the credit union’s investment area inside Cheyenne city. Employees, volunteer, members, pensioners, retired, or annuitants that belongs to one of their select employee group include their family and household members are also eligible to join.

There are several ways to apply for membership, you may apply online, over the phone, or visit one of the credit union’s branch near you. You will be required to submit identifying documents like social security card, driver’s license, or passport. You also need to open a share savings account with a minimum deposit of only $25.

You can contact that credit union’s customer service line if you still have questions with regard to their checking account, current interest rate, membership eligibility, or requirement at 800-368-9328. Warren Federal Credit Union has several offices located in Wyoming and Colorado State.

Warren Federal Credit Union was federally chartered in 1951. They have reached over $400 million in declared assets with 39,621 members. The credit union is a member of the National Credit Union Association and has a charter number 7361.

• have at least 12 signature-based purchases using your debit card
• setup at least 1 automatic debit from your account or 1 direct deposit
• subscribe and receive your electronic bank statement every month

In case you do not meet the checking account requirements for the month, you do not have to worry since you still get to earn their base interest rate of 0.05% APY on the entire balance of your account. But you will be disqualified in refunding your ATM surcharges for that month. You can still earn this best checking account rate on the next qualifying month when all requirements are met.

This money in the bank deal also functions as a free checking account which means that even if you do not meet the monthly requirements that account is free from any monthly service fee. The account does not require any minimum opening deposit nor maintaining balance to earn the reward interest rate.

Additional benefits of this best reward checking account includes free online banking with bill pay, free electronic bank statement, unlimited check writing, free debit card, and free phone banking. Aside from that, the account is insured of up to $250,000 with the Federal Deposit Insurance Corporation. The dividend rate on your checking account is subject to change at anytime without notice. Fees may also reduce the earnings of your account.

Individuals who want to take advantage of this best reward checking account may visit one of the bank’s office to open an account. You need to submit a copy of at least 1 valid photo identification like driver’s license, passport, or social security card. You may want to contact the bank first before visiting their office if you have questions or concerns with regard to their reward checking account, current interest rate, and requirements at 316-788-1111.

Versus Bank has 5 different locations in Arkansas state in the cities of El Dorado, Derby, and Augusta.

The bank has been providing a wide range of deposit account to their customers which will best fit their financial needs. They have already reached over $118 million in declared assets. Versus Bank has an FDIC certificate number 21463.

• 4.01% APY for balances up to $15,000
• 0.75% APY for the portion of the balance above $15,000

You can earn this money in the bank deal if you meet the 3 simply requirements of this best checking account monthly. Plus, reimburse your ATM surcharges every month. The best reward checking account has the following monthly requirements:

• have at least 12 or more debit card purchases monthly
• sign up and receive your monthly statements electronically
• make at least 1 ACH auto debit or 1 direct deposit monthly

If you miss a month, you do not have to worry since you will still enjoy this free checking account with no penalties charge if you do not qualify on the given month. In addition, you still get to earn their base interest rate of 0.10% APY and you get a chance to earn this best checking account rate and enjoy your ATM refunds on the following month when you meet the requirements.

This best reward checking account only requires a minimum of $100 to open an account and it is available to residents of Arkansas and Missouri. The bank lets you manage your account using their free online banking and free phone banking. In this way, you can pay your bills, monitor your transactions, view your monthly statements, and get information about the latest promotions that the bank offers. Take note that the interest rate is subject to change without prior notice.

To get additional information about their reward checking account, current rates, or requirements you may call their customer service line thru 573-778-1800. Southern Bank has several branches located in the states of Arkansas and Missouri.

Southern Bank has been in business since 1887. They have over $718 million in declared assets. The bank is insured under the Federal Deposit Insurance Corporation and has a certificate number 28332.

• Earn $50 when you open the checking account
• Earn $50 when you set up a direct deposit
• Earn $50 after making three debit card purchases

Steps two and three must be completed within the first 60 days after opening your account. Unfortunately, only new account members can take advantage of the $150 bonus. Old account holders are not eligible for this offer. The account must also be active and open for at least six months.

This checking account is a free account and does not have any monthly service fee. However, you need to maintain $100. Otherwise, you will be asked to pay $4.95 a month—still a small price to pay for such a big reward. Bill Pay is also a free service as long as you make a direct deposit every month. If you don’t, this will also cost you $9 a month.

There is also a stringent availability limitation for this account. You have to be a resident of Iowa, Wisconsin, Illinois, and Minnesota to open an account. The bonus, apparently, is only for residents of Wisconsin, although you can visit an AnchorBank branch to confirm if you are eligible. There is an online application tool, but it’s advisable for you to confirm your eligibility before applying online. You can also call the bank’s hotline at 1.800.252.6246 and talk to any of the bank’s representative.

If anything makes depositors hesitate about opening an account with this bank, it’s the poor health ratings. While the bank has been around since 1938, DepositAccounts.com and Bankrate.com only gave it one out of five stars. The bank is federally insured through FDIC Certificate # 29979.

• $1,500 minimum daily balance
• 15 debit card purchases (signature-based) every banking cycle (1 month)
• A direct deposit of at least $200 (single transaction) every month
• E-statements

This promo is only being offered for a limited time. It was first released in April 2010, and it’s possible that it will only be offered for a while longer so if you are planning to apply, you should go for it now. Inova Federal Credit Union has over 35,000 ATMs in the country. You can make your transactions in these ATMs without worrying about surcharges as long as you don’t exceed the limit. The website says you can make up to 250 transactions in a month. Beyond that, you will be charged 25 cents per transaction.

If you’re using an ATM which is not affiliated with the FCU, you just need to pay $1.75. It’s not as stringent as other banks. Without a doubt, if you’re eligible for membership, this could be the best rewards checking account on offer today. Should your balance fall below $1,500, as long as it’s above $500, you won’t be asked to pay the monthly service fee. The monthly service fee for this account is $10.00.

Balances beyond $20,000 will yield 0.30% interest. The APY for these balances fall back to 0.30% as well. This is still not bad, considering the high yield of your first $20,000 investment. Membership with this credit union is employment-based. If you’re interested, you should check the credit union’s membership page to see if you’re eligible or not. There are plenty of organizations and companies affiliated with the FCU. See if this is the best checking account for you. You can apply online, too. Most credit unions still ask prospective depositors to visit their branches for applications. This one makes life easier.

It is also stated on the website that to be a member, you have to maintain at least $5 in their standard savings account. After that, you can choose from any of their Ovation Checking and CD accounts. The $5 deposit is standard in most FCUs so it’s nothing to worry about.

If you prefer to talk to credit union representatives personally, though, you can go right ahead and drop by any one of their branches. These are located in Granger, Mishawaka, Michigan City, and Elkhart. There are also branches in Clayton (North Carolina), and Berkeley (California). The financial institution is a member of the Credit Union Service Center, so you may also make transactions at their affiliates’ branches.

While it’s federally insured, the health ratings of this bank are not so impressive. It only received three out of five stars from DepositAccounts.com, and two out of five stars from Bankrate.com. To know more about the federal insurance, you might want to look into NCUA Charter # 4968.

• setup at least 1 automatic debit or direct deposit
• make at least 10 debit card purchases
• make at least 1 bill payment through online banking
• register and receive electronic bank statement every month

If qualifications are not met during the monthly cycle, you will earn their base interest rate of 0.15% APY on the entire balance of your account. You still get a chance to earn this reward checking account rate on the next qualifying cycle when requirements are met.

This money in the bank deal provides additional benefits that you can enjoy even though you did not meet the monthly requirements and this includes unlimited check writing, 2 free boxes of personalized checks per year, debit card, free online banking with bill pay, free electronic bank statement, and ID Reclaim Basic.

Individuals who want to take advantage of this best reward checking account will be required to deposit a minimum of $100 to open an account. Since this is also free checking account, it does not require any minimum balance to earn the best interest rate nor does it charge any monthly service fee.

You may visit one of the bank’s branch to open an account. Make sure to bring valid photo identification like driver’s license, passport, or state issued ID since the bank will be requesting for a copy as part of their requirements. Bluegrass Community Bank is headquartered in Danville, Kentucky. You may also contact customer service line to get additional information about their reward checking account, other fees, or requirements thru 859-238-0556.

Bluegrass Community Bank started it’s business in 2009. They are registered under the Federal Deposit Insurance Corporation and has a certificate number 58848.

• you must make at least 10 purchases using your debit card
• sign up and receive your electronic bank statement

If you do not meet the bank’s prerequisites, you do not have to worry since you will still earn their base interest rate of 0.05% APY. The credit union gives you a chance to earn this best checking account rate on the following monthly cycle once requirements are met.

In addition, your reward checking account is considered to be a free checking account. It means that even though you do not meet the requirements, you will not receive any monthly service fee on your account. This best checking account does not require any minimum balance to open an account or to earn this best interest rate as well. Finally, you also get to enjoy unlimited check writing.

The credit union allows you to monitor your account using their free online banking. You can also make bill payments and view your monthly statement online. You also have another option in accessing your account and that is through their telephone banking or visiting their office.

Membership with Delaware Federal Credit Union is open to individuals who live, work, attend school, or worship in the cities of Wilmington, Newark, Milford, West Dover, and Georgetown in the state of Delaware. Employees who belong to one of the credit union’s select employer group and their immediate family are also eligible to join. You may visit the credit union’s website to check the list of their select employer group.

You need to print and complete the membership application form which can be found on the credit union’s website. You will have to enclose a copy of your social security card, driver’s license and $5 which will be deposited on to your new share savings account as their requirement. Once you have everything with you, you will have to visit one of their branches and submit all requirements to apply.

For detailed information about their reward checking account, current interest rate, and membership eligibility you may call the credit union’s customer service line at 302-739-4496. Delaware Federal Credit Union has several branches located in the cities of Smyrna, Wilmington, Milford, Georgetown, New Castle, and Dover in the state of Delaware.

Delaware Federal Credit Union has been in business since 1960. They have 34,483 members with over $283 million in declared assets. The credit union is registered under the National Credit Union Association and has a charter number 13919.