CharterBank gives their highest interest rate for their best checking account if account holders meet certain requirements on a monthly basis:

Balances through $25,000 earns 5.01% APY
Deposits above the $25K line gets 1.01% APY
If monthly requirements are not sufficed, base rate is 0.10% APY
Bank refunds ATM fees as much as $20 every cycle

This reward checking account can give you the best interest rates if you can complete at least 10 purchases using the check card, set up an automatic payment or a direct deposit, and opt for electronic statements every month.

The high yield money in the bank deal requires $50 for initial funding. The bank does not collect any monthly service fees nor do they impose any balance requirements.

When you go to the reward checking account page you can find an apply button which you can click to download the application form. You need to visit a branch to complete the process.

The bank has offices in Opelika, Auburn, and Valley in Alabama; Lagrange, Newnan, and West Point in the state of Georgia.

CharterBank has some mixed ratings with 2 stars being stamped by bankrate.com and 3 ½ stars coming from BauerFinancial for soundness and safety. These performance ratings were based on their June 2009 data.

The bank is secured by the FDIC under certificate number 30720.

Texas consumers have a money in the bank deal with Diamond Checking account offered by The First State Bank . The best checking account gives the current interest rates as long as the account holder meets the monthly requirements:

4.00% APY for balances through $25,000
Deposits above the $25K line gets 1.01% APY
The base interest rate is 0.25%
Up to $10 of ATM fees are refunded every month

The highest interest rates can be enjoyed if account holders can complete at least 12 purchases using the debit card, set up an ACH auto debit or a direct deposit, and opt for electronic statements sent to a valid email address. These are monthly requirements that must be met.

The high yield checking account only requires an initial deposit of at least $100. The bank does no collect monthly service fees nor do they impose balance requirements. The first order of checks is on the bank.

Interested individuals can open an account online. The First State Bank has branches in Sweeny, Blessing, Bay City, El Campo Ganado, Wharton, and Louise in Texas.

The bank received strong ratings from bankrate.com which issued 5 stars for soundness and safety. BauerFinancial gave 4 stars upon reviewing the bank’s performance. These figures were based on their June 2009 data.

The First State Bank is covered by the FDIC under certificate number 17588.

Incredible Bank , the new internet division of River Valley Bank, invites consumers to take advantage of their best checking account that has a high interest rate of 2.02% APY for balances through $250,000. Any deposit above $250K gets 1.00% APY. The interest rates are still posted as of November 18 but may change any time.

This high yield checking account is not a reward checking account but the current interest rate is comparable to the highest interest rates given to savings accounts. This checking account does not involve paper checks but everything is done electronically. Payments can be coursed through the free online bill payments system or by using the debit card.

Consumers who want to take advantage of the high interest rate money in the bank deal can open this checking account with an initial deposit of $1000. You can fund the account by sending in a check or by ACH transfer. You can also easily manage the account by initiating deposits or withdrawals via ACH at other banks. Account holders receive electronic statements on a monthly basis.

The bank does not impose balance requirements. The bank charges $5 for incoming wire transfers and $20 for outgoing domestic wires. Another plus is that the bank also reimburses ATM fees automatically.

Some of our readers have confirmed that the bank does a hard credit pull when you apply for this account.

Incredible Bank was just recently opened and everyone is wondering if they can keep the interest rates competitive. According to the CSR, the bank plans to keep the interest rates attractive but she doesn’t have information up to when it will last.

The bank is not that big with deposits amounting to $740 million. We have seen small banks able to keep the interest rates up but they usually hold the applications once they have reached their goals. If Incredible Bank can maintain the rates up then this might be a good long-term investment. The bank may be able to sustain since they cut the checking account costs by offering it as an electronic account without the paper checks and statements.

We also have contacted River Valley Bank to confirm if Incredible Bank is really affiliated with them. The mother company is headquartered in Wausau, Wisconsin. They operate about 18 offices in Michigan and Wisconsin.

River Valley Bank gets strong ratings from Bankrate.com and BauerFinancial. Both institutions stamped their reports with 4 stars for soundness and safety. The bank is covered by the FDIC through certificate number 19772.

North Carolina based Carolina Premier Bank offers their best checking account that gives the highest interest rates if the account holder meets certain monthly requirements:

5.00% APY for balances through $25,000
0.50% APY for deposits above $25K
Base interest rate is 0.50% if monthly requirements are not satisfied
ATM fees incurred anywhere in the U.S. is reimbursed

In order to enjoy the highest interest rate for this checking account, account holders must be able to do the following on a monthly basis:

Account holder must make at least 12 purchases using the debit card; amount must be at least $5 each
Set up an auto debit or a direct deposit
Complete at least one online bills payment
Choose to receive electronic statements

The bank also requires consumers to open another account with them to take advantage of the benefits of this money in the bank deal. You can maintain a certificate of deposit or a savings account to get the best checking account rates. The initial deposit required to open the checking account is as little as $200.

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

The website of the bank was down when we visited it so we confirmed this info through their customer service line. The CSR told us that customers can open the passbook savings account for $200 which has current interest rates of 2.10%. This account does not charge any monthly fees.

It is not typical for a reward checking account program to ask clients to open an additional account. The minimum purchase of at least $5 is also not very common. This puts a bit of pressure on the debit card holder to spend more but that is how banks come up with funds to keep the high interest offerings.

Interested individuals can drop by a branch to open this checking account. Their office is in Charlotte, North Carolina. Caroline Premier is a start up bank which was established in 2007. Bankrate.com gives the bank 3 stars for its performance based on their June 2009 data.

Carolina Premier Bank is covered by the FDIC through certificate number 58516.

South Carolina Bank and Trust is inviting consumers to take advantage of their Mad Money Checking account. This attractive money in the bank deal is their best checking account. It offers the following interest rates given that some monthly requirements are met:

3.25% APY for deposits through $25,000
Portions above $25K earn 0.05%
Base rate is at 0.05% given if conditions are not satisfied

Account holders must do the following to make most of the current interest rates:

Complete 10 purchases using the Visa debit card
Make a direct deposit or set up an auto draft for a third party
Opt for electronic statements over printed statements

The above requirements are waived for the first month.

Interested consumers can open this checking account for as low as $50. The bank does not require any minimum balance nor do they collect any service fees. Aside from the attractive interest rates, account holders also get free access to phone and mobile banking.

You can open multiple accounts but you must meet the requirements for each account to get the highest interest rate for this checking account deal.

It seems that a branch visit is necessary to open an account. The bank has offices in Walterboro, Orangeburg, Myrtle Beach, Lexington, Greenville, Fort Mill, Columbia, and Charleston in South Carolina.

South Carolina Bank and Trust is still running their Mad Money Mondays promo. You can open a checking account in specific branches on certain Mondays this November and you will get a cash bonus of $100.

The November schedule will be the following:

November 16

Hilton Head at 81 Main Street
Hilton Head at 5 Park Lane

November 23

Charleston at 46 Broad Street
Summerville at 402-D North Main Street
Mt. Pleasant at 1032 Johnnie Dodds Boulevard
James Island at 315 Folly Road
Moncks Corner at 317 North Highway 52

The bank has strong ratings for performance, soundness and safety. Both bankrate.com and BauerFinancial issued 4 stars when they reviewed the bank’s status using their June 2009 financial data. South Carolina Bank and Trust is covered by the FDIC with certificate number 13425.

The First Nebraska Bank pushes for their Real Checking account, a high yield checking account that has the following interest rates:

5.00% APY for deposits through $25,000
Funds above the $25K tier earns 0.50% APY
Base rate is at 0.25%
Reimburses ATM fees incurred anywhere in the U.S. of as much as $25 per cycle

This best checking account from First Nebraska requires for the following monthly requirements:

Account holder must complete 10 purchases using the Visa check card
Set up an automatic payment or a direct deposit
Receive e-statements

The bank only asks for an initial deposit of $25 to open the reward checking account. They do not collect any service fees and do not impose any requirements on minimum balance.

According to the customer service representative of the bank, consumers can open multiple accounts but you have to meet the requirements for each of the account to maximize the high interest rates.

You can start an application using the online form at the bank’s micro website. Interested individuals are still required to complete the process by visiting a branch.

First Nebraska bank operates offices in Stanton, Valley, Emerson, Decatur, Columbus, Brainard, and Arcadia.

The bank receives favorable financial ratings for soundness and safety. Bankrate.com stamped its performance with 5 stars based on their March 2009 data. BauerFinancial issued 4 stars using their June 2009 data during the evaluation. First Nebraska Bank is covered by the FDIC through certificate number 12248.

First State Bank invites consumers to take advantage of their high-yield checking account called First Reward Checking. The current interest rates for this money in the bank deal are as follows if the monthly requirements are met:

4.25% APY for balances through $25,000
Deposits above the $25K cap earns 1.01% APY
If the requirements are not met, the rates drop to 0.15%
Unlimited refund of incurred ATM fees anywhere across the country

Account holders must be able to complete at least 12 purchases using the Visa Check Card, set up an ACH auto debit or a direct deposit, and opt for electronic statements. These must be fulfilled every month.

This best checking account from First State Bank only requires $25 to open. The bank does not impose any minimum balance to maintain nor do they collect any monthly service charges. Individuals who want to open multiple accounts may do so but be reminded that you will only be able to enjoy the highest interest rates if you are able to meet the monthly requirements for each of the account.

Consumers can complete an application form posted on the bank’s website. You will still be required to go to one of their branches to complete the process.

The bank has several branches in Tennessee. They operate offices in cities like Nashville, Dresden, Hendersonville, Union City, Jackson, Lexington, Knoxville, and Dyersburg.

The financial ratings of the bank are a bit weak. Its performance report was stamped with 3 stars and 2 stars from BauerFinancial and Bankrate.com, respectively. These were based on their March and June 2009 data.

The bank has a long business history dating back to 1887. It is a member of the FDIC covered by certificate number 1479.

Northwest Savings Bank lists a checking account bonus on their website. Consumers who open a Switch Checking Account can get as much as $100.

This best checking account offered by the bank requires at least $100 to open. Account holders may qualify for the rewards checking account promo by setting up a direct deposit of at least $100 every month. The direct deposit may come from your social security, pension, paycheck, or any other source of your regular income.

The direct deposit must be executed by the account holder’s employer or by an outside agency. ATM deposits, account transfers, and funding coursed through a branch are not considered by the bank as direct deposits.

The bank will post the $100 checking account bonus to the account upon the verification of the direct deposit. This process usually takes within a week after verification of the funding. The $100 credit must be reported using form 1099.

We checked with the bank and the customer service said that their free checking account will qualify for this offer. This one does not have any service fees or monthly charges. The first booklet of check is on the bank. Take note that the bills payment will be free if you use it on a regular basis or at least once every month.

Northwest Savings Bank provides an online application form for interested consumers. The promo website states that even individuals outside the market area of Northwest may apply for this offer. You can also drop by one of their branches to open an account.

The bank has offices spread across Pennsylvania, Ohio, New York, Maryland, and Florida. The bank is covered by the FDIC through certificate number 28178.

South Dakota consumers can still take advantage of the best checking account offered by Reliabank Dakota called Ultimate Checking that earns 4.07% APY for balances through $25,000 and 1.01% APY for balances above the $25K ceiling. The monthly requirements to earn these high checking account interest rates are the following:

Account holder must complete 12 purchases using the check card
Set up at least a direct deposit, auto debit through ACH, or bills payment
Opt for electronic account statements

If the above requirements are met the current base interest rate is 0.25%. This reward checking account requires an initial funding of at least $50. The bank does not impose any monthly service charges or balance requirements.

Interested individuals can open an account online. Aside from South Dakota residents, the bank accepts applications from outside their market coverage.

The current interest rate of 4.07% APY is one of the highest nationwide. On the $25K cap, there are only two banks giving higher interest rate: 4.30% APY at Royal Banks of Missouri and 4.51% APY at Bank of the Sierra.

The checking account offer has been on for a while but still check with the bank before signing for anything. Reliabank is not a big institution and often small banks tend to change the availabilities of their money in the bank promos. This year the trend has been for local banks to limit their offerings to their market coverage.

Another possibility we are looking at with these kinds of high interest checking account promo with small banks is that they will not reduce the availability of the product but decrease the interest rate they offer.

Reliabank has branches spread across South Dakota particularly in Hartford, Watertown, Hazel, Hayti, and Estelline.

The bank is covered by the FDIC with certificate number 16221.

The QNB Bank headquartered in Pennsylvania offers a great money in the bank deal through their eRewards Checking, their best checking account which gives the following interest rates if the monthly requirements are satisfied:

3.25% for balances through $25,000
Funds above the $25K line gets 1.01% APY
The base rate is at 0.15% APY given if the requirements are not met
Incurred ATM fees of as much $25 are refunded every cycle

Account holders can make most of the highest checking account rates if every month the following requirements are met:

Complete 12 transactions using the checking card
make a direct deposit or perform an ACH transaction
choose e-statements over printed statements

This checking account only needs $25 of initial deposit. According to the bank, they do not collect any service fees every month and they do not set a minimum for balance requirements. Having the checking account also gives account holders access to the bills payment service over the internet.

Interested consumers can apply for an account online. It seems that this is a local money in the bank deal in Pennsylvania since you will be asked for your zip code. The system rejects any zip code which is outside their market coverage.

QNB Bank has branches in Quakertown, Pennsylvania and proximate towns.

Based on their June 2009 financial records, Bankrate.com issued 4 stars when they reviewed the bank’s performance. BauerFinancial gave 3 stars for QNB’s safety and soundness.

The bank is a member of the FDIC.

F&M Bank offers their best checking account with their highest interest rate at 2.75% APY for balances through $50,000. This money in the bank deal is structured in the following scheme:

2.75% APY for deposits of up to $50K
Portions of funds above $50K gets 1.00% APY
Base rate is at 0.50% APY in case you do no meet the monthly qualifications
ATM fees incurred nationwide are refunded

The bank requires the following so you can enjoy the best interest rates:

Complete 10 transactions using check cards
Set up an automatic debit or a direct deposit
Use online banking
Opt for electronic statements over paper statements

The checking account will also give you free access to the online bills payment system. The bank does not set a minimum balance requirement. They also do not collect any monthly service fees. One positive feature of this reward checking account is that they waive the qualification requirements for the first cycle.

F&M Bank limits this reward checking deal two a max of two accounts per individual. The bank may also change the qualifications of the account or its deposit tier. The bank usually releases a 30-day notice when they do these.

Interested consumers need to drop by a branch to open the checking account. The bank operates several branches in Tennessee including Murfreesboro, Lebanon, Hendersonville, Greenbrier, Dover, Cookeville, Clarksville, and Brentwood.

The bank was given 4 stars by BauerFinancial when they reviewed the bank’s soundness and safety. Bankrate.com gave 3 stars for performance. These reports were based on their June 2009 financial data.

The bank is insured with the FDIC through certificate number 9963.

If you are looking for the best checking account to get in Louisiana, you have the reward checking account from Landmark Bank that has a competitive interest rate:

Balances through $25,000 earn 5.01% APY
Portions above the $25K cap gets 1.01% APY
Base interest rate is at 0.25%
Nationwide fees of up to $25 can be refunded every cycle and about $5 for every ATM transaction

Account holders can enjoy the best interest rates for this checking account if they fulfill the following requirements:

Complete at least 10 purchases with the Visa Check Card
Set up at least 1 automatic payment or a direct deposit
Sign up for online banking and opt for electronic statements

This reward checking account can be opened with a minimum initial funding of $100. The bank does not set any balance requirements nor do they collect monthly service fees. Individuals can open multiple accounts but to get the most out of it, you must be able to meet the requirements for each of the account to get the highest yields.

Landmark Bank launched a micro website for this money in the bank deal. You can access an online application through that site but you must still drop by a branch to complete the process.

The bank has branches in Zachary and Clinton in the suburbs of Baton Rouge.

The financial ratings of the bank are strong. The soundness and safety report of BauerFinancial was stamped with 5 stars. Bankrate.com issued 4 stars when they evaluated the bank’s performance. These reports were based on their June 2009 financial data.

The bank is covered by the FDIC with certificate number 307.

CoreFirst Bank and Trust offers a high yield checking account the offers very competitive interest rates. This account has the following features:

Earnings of 3.04% APY for balances through $25,000
Portions above the $25K line gets 0.10%
Base interest rate is 0.10% given if requirements are not met
ATM fees for 5 none CoreFirst transactions are refunded every cycle

The highest interest rate for the best checking account can be enjoyed if the requirements below are satisfied:

Account holder must make at least 10 purchases using the Visa Check Card
Make a direct deposit
Pay a minimum of 2 bills using internet banking
Opt for electronic statements

The checking account requires an initial deposit of $100. The bank does not require any minimum balance for the account. They also do not collect service fees.

It appears that a bank visit is necessary to open the checking account. CoreFirst has branches in the cities of Kansas, Manhattan, Emporia, and Topeka in Kansas. They also operate an office in Denver, Colorado.

Bankrate.com issued 3 stars when they reviewed the bank’s performance while BauerFinancial stamped 3 ½ stars to their safety and soundness report. These were both based on their June 2009 data.

The bank is covered by the FDIC through certificate number 18100.

The rates for this offer is not posted on the checking account information page but was advertised on Denver Post and Kansas City Star.

KeyBank offers their best checking account with rewards of as much as $225 through their checking account special promo:

Open a checking account that qualifies for the promo and enroll with KeyBank Rewards on or before November 20
Account holder must complete at least one debit card transaction and a combo of two automated payments and/or direct deposits of at least $100 each by January 22, 2010

You can enjoy the reward checking account bonus of $225 by opening the Key Privilege Select or the Key Privilege Checking account. These two checking accounts require a stiffer balance requirement to avoid service fees.

Interested consumers may also opt for the smaller but still attractive $125 checking account bonus. This can be achieved by starting the free checking account that does not impose any balance requirements and does not collect monthly service charges.

This reward checking account promo is not offered across the nation. Businesses and individuals can take advantage of this money in the bank deal where KeyBank has branches. They have offices in Washington, Vermont, Utah, Oregon, Ohio, New York, Michigan, Maine, Kentucky, Indiana, Idaho, Florida, Connecticut, Colorado, and Alaska.

Don’t forget to read the fine prints of the deal. Your direct deposit set up is limited to government benefits, pension, social security, and payroll. Balance transfers from account to account, Paypal transactions, debit card auto payments, and Key Bill Pay are excluded from automated payments.

The reward for the checking account will not be available for checking clients who have opened their accounts in the last twelve months. The bonus should also be reported on Form 1099 INT. The bank also charges $25 if you close you account within 6 months after opening.

You can apply for this reward checking promo online, at a branch, or by calling them at 1-877-539-6659. You may also go for the 60,000 points for the KeyBank Rewards instead of the $125 cash bonus; all you need to do is call and instruct the bank.

The bank informed us that they do not do a hard credit pull upon application but they use ChexSystem for the verification and approval process. .

KeyBank is a member of the FDIC.

The Waterbury Connecticut Teacher Federal Credit Union has a high interest checking account offering that gives as much as 5.01% APY for balances through $30,000. The special program called A+ Checking Account also gives 1.01% APY for portions of the deposits over $30K. The base rate for this best reward checking account is 0.05%. ATM fees are also refunded by as much $25 every cycle.

The best interest rate for the checking account can be enjoyed as long as the monthly requirements are met:

Checking account holder must make at least 10 purchases through the Visa Check Card
Set up an auto payment, direct deposit, or use the online system for paying bills
Choose to receive electronic statements

The credit union requires a minimum funding of $5 to open the account. They do not impose any balance requirements nor do they collect any monthly service fees.

The membership to the Waterbury Connecticut Teachers FCU is open for parochial school employees and to the locals of certain localities of Connecticut. You may want to check their membership page to see the details of how you can sign up.

The credit union has offices in Danbury and Middlebury in Connecticut.

BauerFinancial stamped their evaluation of the credit union’s performance with 5 stars while bankrate.com issued 3 stars. The credit union is covered by the NCUA through charter number 22.

The University Credit Union headquartered in Maine offers their best reward checking account called rewardU Checking with interest rates as high as 4.01% APY for deposits up to $25K. Any balance that is over the set $25K ceiling gets 1.01% APY. There is also a base rate of 0.10% in case the account holder does not meet the monthly requirements of the best checking account.

You can enjoy the best interest rates for this checking account if you fulfill the following requirements on a monthly basis:

Make at least 12 debit card purchases using the issued debit card
Complete an ACH transaction or make a direct deposit
Use online banking
Opt for electronic statements

Interested consumers can open the rewardU Checking with an initial funding of $25 into a share savings with UCU. The credit union does not impose any monthly charges nor do they require any minimum balance. When monthly requirements are met, they refund ATM fees of up to $25 every month.

To know more about the details of this product you can checkout the disclosure on their website.

Membership to the University Credit Union is open to the students, employees, and alumni of the system of University of Maine. They operate offices in Portland, Bangor, Farmington, and Orono.

The credit union received mixed reviews. Bankrate.com issued 3 stars for soundness and safety of UCU. BauerFinancial gave 5 stars when they reviewed UCU’s performance using their June 2009 data.

The credit union is covered by the NCUA through charter number 63133.

The Carter Federal Credit Union offers their best checking account for members in Arkansas and Louisiana. The special high interest checking account deal called My Carter Rewards Checking can earn as much as 5.01% APY for balances through $30,000.

The current interest rate given to deposits above the set $30K ceiling is 1.01% APY. The rate drops to 0.11% if the monthly requirements of the account are not satisfied. They do no have a limit on reimbursement of ATM fees incurred nationwide.

The highest interest rates can be enjoyed if the following criteria are met:

Account holder makes 11 purchases using the Visa Check Card
Set up an auto debit or at least make 1 direct deposit
Register a valid email address where electronic statements will be sent

The best checking account with the credit union can be opened for as low as $100. They do not impose any balance requirements. The credit union also does not collect any monthly service fees. There is a $4 membership processing fee though and a $1 deposit into a primary savings account.

Interested members can open multiple accounts but you must meet the monthly requirements for each to make most of the high interest checking account.

The credit union opens its membership to those who live, study, worship, or work in the Louisiana parishes of Red River, DeSoto, Claiborne, Bienville, Webster, Bossier, and Caddo. They also welcome people from the Lafayette and Columbia counties in Arkansas.

Carter FCU has branches in Haughton, Minden, Mansfield, Springhill, and Shreveport in Louisiana. They also have an office in Magnolia, Arkansas.

The credit union received 4 stars when BauerFinancial reviewed its performance. Bankrate.com stamped 3 stars for their soundness and safety. These evaluations were based on their March 2009 data. Carter FCU is covered by the NCUA through charter number 9164.

Bank of Edwardsville headquartered in Illinois has the best checking account interest rate at 5.00% APY for balances through $25,000 on their TheClub Checking. The base interest rate for this checking account is 0.50% APY. It also refunds ATM fees on foreign banks incurred nationwide.

The highest interest rates can be enjoyed if the checking account holder fulfills the following monthly requirement:

Make 12 purchases using the debit card
Make at least one bill payment through the online facility
Opt for electronic statements
Have a combined deposit of $2500 on your TheClub checking and any of Edwardsville’s savings accounts

Interested individuals can open this account for just $50. The bank does not have any balance requirements if you have a deposit account with them with a balance of more than $2,500 or if you have a loan of at least $10,000. The bank imposes a $10 fee in case you do not meet the requirement for the $2500 combined balance.

The interest rate that we have here will be effective through October 13. It can be changed by the bank any time so it will be wise to check their rates table before signing up for anything.

A bank visit is necessary to open an account. They have offices in Edwardsville, Swansea, O’Fallon, and Belleville. It might be handy if you bring a copy of some proof of ID when you drop by their branch.

BauerFinancial stamps an excellent rating of 5 stars for the bank’s performance based on their June 2009 data. Bankrate.com using their March 2009 data issued 3 stars for the bank’s safety and soundness.

Bank of Edwardsville has 140 years of history in the business and has been indexed with the FDIC since 1934. They are covered by FDIC certificate number 1039.

The Texas Heritage National Bank offers a high interest rate of 5.00% APY for their best checking account called Texas Star checking. This money in the bank deal gives 5.00% APY for balances through $25,000. Portions of the deposit above the set ceiling gain 0.50% APY.

The bank does not give any interest to the checking account which do not meet the monthly requirements:

Account holder must complete 15 purchases using the debit card
Make at least 1 direct deposit
Sign up for online and telephone banking
Submit a valid email address

Customers who want to take advantage of the current interest rates can open their best reward checking account for an initial deposit of $100. The bank only allows one account for every social security number. It also limits debit or credit transactions to $750 on a daily basis.

Aside from the high interest rate the account also gives you free access to their online bills payment facility. Electronic statements will also be sent instead of printed bank statements.

The bank does not have a monthly service fee unless your balance drops below $500 which will cost you $10.

You can open an account by visiting one of their offices in East Texas. They have branches in Ore City, Omaha, Daingerfield, and Sulphur Springs.

Bankrate.com and BauerFinancial both issued 3 stars for soundness and safety. The rating means the bank is performing adequately. The bank is insured with the FDIC since 1934. It is covered by certificate number 3161.

Texas based First National Bank of Trenton is encouraging consumers to take advantage of their high interest checking account that gives as much as 4.34% APY for balances through $35,000.

The current interest rates for the reward checking account program are the following:

Portions of the deposit above the $35K ceiling gets 1.26% APY
The base rate for this money in the bank deal is 0.10% in case requirements are not met
$30 of incurred ATM fees will be reimbursed every cycle

Account holders can enjoy the high interest rate if the monthly requirements are satisfied:

Account holder must make 10 purchases using check card at point of sale
Must complete an ACH debit or deposit per cycle
Utilize online banking
Opt for electronic statements

The best reward checking account of the bank requires at least $25 to open. The first 50 checks are on the bank. There is no balance requirement and no monthly service fees.

Unlike other banks, First National Bank of Trenton does not give any grace period for meeting the monthly requirements. The best way to go about it so you can enjoy the best interest rate is to open an account a day after a cycle so you have time to complete the purchases and ACH setup.

There is an online application for interested consumers but according to their customer service, the bank requires a branch visit to open an account. They have several offices in Texas specifically in Trenton, Farmersville, Melissa, Leonard, and Bonham.

The bank has an average rating in terms of its performance. Bankrate.com issued 4 stars for soundness and safety based on their March 2009 data. BauerFinancial gave 3 stars using their June 2009 figures.

First National Bank of Trenton is covered by the FDIC with certificate number 5558.

Bank of America has been offering the USPS movers bonus for checking account holders, they are currently running a new reward checking account that gives $100. If you move and you can use an extra $100, write down the promo code AOU260909. This checking account promo is running until the end of November 2009.

Interested consumers can take advantage of this money in the bank by visiting the BofA websites or by dropping by one of their offices. The checking account bonus is offered to new clients who will open a personal checking with an initial funding of $500. You must also keep the checking account active for at least a month after opening and make at least one transaction using the issued check card.

Do not forget to read the fine print before signing for anything:

The bonus $100 will be credited to your account within 3 months after opening
The new customer must not be a former checking account holder within the last 3 months
Current checking account clients including student checking account holders do not qualify for the offer
The incentive will be reported to the IRS

If you are careful about your credit report, BofA is known to do a hard credit pull when you open a checking account with them. Some have also reported that they got two pulls when they did the promo a year ago.

Some account holders have also reported a bit of difficulty reminding the bank about the $100 incentive. The $100 is worth messaging them through their website or giving their customer service some calls.

Bank of America is insured with the FDIC.

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.

New Jersey consumers can take advantage of the best reward checking account being offered by Investors Savings Bank

They are giving away $200 for opening a checking account with them and setting up a direct deposit with it.

The money in the bank deal requires a direct deposit amounting to $300 which will come from an entire paycheck or should come from your pension check or social security. The $200 bonus will be paid in $50 installments every quarter after account opening.

Account holders who decide to close their checking account within a year, will have to shoulder a termination fee of $50. All bonuses will also be forfeited by the bank.

This special checking account promo is not posted on the bank’s website but one of our readers gave us the information. She was able to get this through a mailer from the bank.

This $200 checking account bonus will only run until October 31 and are only offered in Investor Savings Bank’s branches in Bloomfield, Verona, Nutley, Cedar Grove, and Clifton.

There is also a $100 checking account bonus for those who are not covered by the branches we mentioned above. The mechanics are pretty much the same as the $200 promo requiring $300 of direct deposit. The bonus is paid on $25 increments every quarter. A termination fee of $25 will be imposed for anyone who closes the account within 12 months plus all of the credited bonus will be forfeited.

Investors Savings Bank has branches spread across the state of New Jersey including cities like Washington, Union, Springfield, Somerset, Jackson, Denville, Long Branch, Piscataway, and Irvington.

The bank has some strong performance ratings getting 4 stars from both BauerFinancial and Bankrate.com for its soundness and safety.

It is covered by the FDIC through certificate number 28892.

Cambridge Savings Bank offers a high interest checking account that offers as much as 4.00% APY for balances between $10 and $25,000. Anything over the $25K ceiling gains 0.05% APY.

The best reward checking account requires that the account holder complete 15 purchases using the debit card. It also asks for a direct deposit to be set up monthly. Like other reward checking offers, it favors electronic statements. If these requirements are not satisfied the interest rate drops to 0.05%.

The current interest rates can be enjoyed if you open their best reward checking account for $100 as initial deposit. You need to have a total of 20 purchases using the debit card every cycle or you will incur a $5 monthly fee.

The Supersmart Checking also comes with other perks like travel insurance, protection against identity theft, health benefits, and savings on some shopping and travel deals.

The website does not detail any ATM reimbursements that can be made on a per cycle basis. If you have questions you can call their customer service number through 888-418-5626.

Interested individuals can apply for an account online through a platform by Andera. Account holders can fund the account via ACH transfer or by using a credit card. Note that this reward checking account deal is only offered to employees or residents of Massachusetts.

Cambridge Savings Bank has branches in several Massachusetts cities like Arlington, Acton, Watertown, Newton, Lexington, Concord, Cambridge, Belmont, and Bedford.

Bankrate.com and BauerFinancial both issued 4 stars for safety and soundness when they reviewed the bank’s performance. The bank was founded in 1834 and has been indexed with the FDIC since 1958. The bank is covered through certificate number 17870. The bank has a declared asset amounting to $2.16 billion.

Consumers from the Northeastern states have until October 30, 2009 to open the best checking account with Sovereign Bank and benefit from the $100 cash bonus.

The checking account bonus can be enjoyed if you open an Interest or Premier Checking account with Sovereign. The initial deposit needed to open an account is just $100.

You should request a Check Card and use it to complete six purchases within 2 months amounting to at least $250 after opening the checking account. The bonus also requires you enroll with the online banking facility. Once you are qualified, the $100 bonus will be credited within 75 days to your checking account.

The checking account bonus is limited to the District of Columbia, DE, MD, WV, PA, NJ, NY, MA, RI, CT, NH, VT, ME. The bank also requires that the bonus should be reported to the IRS. This money in the bank deal is only good for new customers who have not had any account with Sovereign Bank in the last six months.

Take note that if you open a Premier Checking account, you need to maintain a balance of $25,000 to avoid a monthly fee of $25. The Interest Checking account gives free checks but it requires you to make a direct deposit or the bank will charge $5 every month.

A reader told us that the checking account bonus of $100 was credited to her account in a very timely manner. It is also a good news for those who don’t want their credit cards to be dinged since the bank does not do a hard credit pull when you open an account.

Interested consumers can open an account online using a secured form. You can also visit a local branch. If you have inquiries you can call 877-768-2265. They have offices in Rhode Island, Pennsylvania, New York, New Jersey, New Hampshire, Massachusetts, Maryland, and Connecticut.

The bank is insured with the FDIC through certificate number 29950.

The First National Bank of Syracuse

invites Kansas locals to take advantage of their high interest best checking account. The Dream Checking program offers the following if the account holder meets the monthly requirements:

High earnings of 5.01% APY for balances through $35,000
Deposits above the $35K ceiling gains 1.01% APY
Base rate is pegged at 0.15%
The bank also reimburses ATM fees of up to $25 every cycle

Every month the best reward checking account holder must satisfy the monthly requirements:

Complete 10 purchases using the debit card
Set up an automatic payment and a direct deposit
Choose e-statements over paper statements

Interested consumers can open an account for $100. The bank does not collect any service fees and does not set any minimum balance requirements. The checking account also gives you free access to their online bills payment system.

The high interest checking account can be opened online. This money in the bank offering is only a local deal.

The bank has several branches in Kansas particularly in Syracuse, Garden City, and Johnson.

The First National Bank of Syracuse has some fair ratings. It gets 3 ½ stars from BauerFinancial and 3 stars from Bankrate.com for soundness and safety.

The bank is insured with the FDIC with certificate number 4779.

Dime Bank

headquartered in New York is pushing for their best reward checking account that offers as much as $300 worth of bonus. You will not miss the money in the bank special when you visit their website, the whole page is devoted to promote it.

This checking account bonus promo is scheduled to run until 15 November 2009.

Open a Prime Dime Checking Rewards Checking account and have a chance to get the $300 bonus. The first $100 is paid when one opens the account. The next $100 is a reward for preparing monthly recurring direct deposits and the last $100 for making 2 online bills payment. These last two requirements must be completed within 3 months after account opening so the $200 will be credited to your account after 6 months.

There is also the $225 bonus for the Dime Rewards Checking. The reward for this checking account is also paid on three installments of $75. This promo for the reward checking is for new checking clients only and is limited to an individual per household. You cannot close your account in six months time or else all credited rewards will be deducted upon termination of account.

These checking accounts from Dime Bank are not considered high interest accounts but the bonus offer is very good considering there is no purchase requirement using a debit card. You have to maintain the bills payment and direct deposits though or you may be asked to close the account.

The Prime Dime checking account only gives 0.25% APY for deposits below $5K and 0.50% APY for balances through $5 to $25K. There is a monthly service fee of $15 if you fall below the $5K balance requirement. The Dime checking is a no interest account. There is a $12 service charge if you have an average balance of $2500.

This offer is good nationwide. People from other states can apply online. Those in New York can drop by several branches of Dime Bank spread across the NY metro.

BauerFinancial and bankrate.com both issued 4 stars when they reviewed the bank’s performance based on soundness and safety standards. Dime Bank is insured with the FDIC through certificate number 16012.

Entrust Federal Credit Union

invites its members to enroll for their Bonus Checking program, a high interest reward checking account, that earns as much as 3.50% APY for balances through $25,000.

The current interest rate for deposits above the set cap of $25K is 0.75% APY. The base interest rate if the rewards requirement are not met is 0.15% APY for all balances. The union also refunds ATM fees of as much as $25 per cycle.

The best checking account asks for the fulfillment of the following monthly requirements so you can enjoy the highest interest rates:

Account holder must make 12 purchases using the Visa Check Card
Set up an ACH debit or a direct deposit
Opt for electronic statements over paper bank statements

The current interest rates have been posted on the promo page for quite a while now. According to their website, the interest rates are usually updated every Tuesday.

The credit union does not have any balance requirements nor do they collect monthly service fees.

Membership to the Entrust FCU is open for Christian based organizations and churches within the metro of Richmond. You can check their website for the details with regard to signing up.

Entrust is headquartered in Richmond, Virginia.

BauerFinancial has a very good review of the credit union, stamping a rating of 5 stars for their performance. Bankrate.com issued a 3 stars for soundness and safety.

Entrust FCU is indexed with the NCUA covered by charter number 20250.

Scituate Federal Savings

invites consumers in the Massachusetts area to take advantage of their high yield rewards checking account called Performance Checking that has current interest rates of as high as 3.50% APY for balances through $25,000. Any deposits above the set cap receives 0.10% APY. The base rate for this money in the bank deal is also 0.10%. Another great feature of this rewards checking account is the reimbursement of 100% of your ATM fees.

The high interest rates can be enjoyed if the account holder is able to complete 12 purchases using the debit card and make a direct deposit or one ACH transfer every month.

Interested individuals can open this Scituate best checking account with an initial deposit of $25. The bank does not collect any monthly fees nor do they set any balance requirements.

The current interest rate posted here has been in effect since September 1. The bank may change this any time so it will be iwse to check their website or call them through 781-545-0016.

We can not find any online form to open an account. It seems that a branch visit is necessary to open the Performance Checking. Have a copy of your driver’s license when you go to their office since the bank will ask for proofs of identification.

They have offices in the Massachusetts metros of Scituate, Marshfield, North Scituate, Green Harbor, Hingham, and Norwell.

Scituate Federal Savings enjoys strong ratings from BauerFinancial and Bankrate.com which both issued 4 stars using their March and June 2009 data.

The bank was instituted in 1928. It is covered by the FDIC through certificate number 30424. They have been indexed with the FDIC since 1955.

GENCO Federal Credit Union

is pushing for their GENCO Advantage checking which is a high interest reward checking account that earns 3.51% APY for balances through $25,000 if certain conditions are met. Deposits over the $25K ceiling are given 1.01% APY. The base rate for this reward checking account is 0.10% in case the requirements are not satisfied. The bank also returns ATM Fees for as much as $25 every cycle.

High yield checking account holders can enjoy the high interest rates as long as the following requirements are met:

Complete at least 10 purchases using the MasterCard Check Card
Make a direct deposit or set up an automatic payment
Use the online banking system of the credit union
Opt for electronic statements

Members can open an account for as little as $50 of initial funding. The bank does not have balance requirements nor do they collect any monthly service fees.

The current interest rates that we have here are accurate as of October 2 but they may change any time. It will be wise to check the credit union’s website for the latest figures.

Interested individuals who want to sign up for the credit union are qualified if they work or live in the Texas counties of McLennan or Angelina. The credit union requires a $5 deposit into a savings account.

Account opening can be started online but you still need to visit one of their offices to fill up some signature forms. They have branches in Waco and Lufkin cities in Texas.

GENCO FCU gets strong reviews. BauerFinancial issued 5 stars for soundness and safety while Bankrate.com stamped 4 stars for performance. GENCO is covered by the NCUA through charter number 8585.