Great Lakes Credit Union offers attractive interest rates with their reward checking account called Ultimate Checking. An interest rate of 4.00% APY can be earned on balances of up to $15,000 and and interest rate of 0.05% APY can be earned on portions of the balance above $15,000. You also get a $5 rebate on your ATM fees every month when all qualifications are met. The following are the monthly requirements of this best checking account:

• make at least 10 signature based purchases using your debit card
• make at least 1 direct deposit worth $250 per statement cycle
• subscribe and receive your monthly statements electronically
• use mobile banking or make a bill payment online

If you do not meet the monthly requirements, you do not have to worry since you still get to earn the base interest rate of 0.05% APY on your whole balance. Unlike other reward checking accounts, you need to maintain at least 5 signature base purchases on your debit card and maintain the $250 direct deposit to avoid the $5 monthly service fee.

This best reward checking account allows you to enjoy free overdraft transfers, free online banking with bill pay, free mobile banking, and best of all it has no minimum balance required nor monthly service fee when you meet the credit unions requirements.

Individuals who want to become a member of Great Lakes Credit Union must live or work in the counties of McHenry and Lake in the state of Illinois of in Kenosha County in the state of Wisconsin. Membership is also open to employees who belong to one of the credit unions select employee groups, reservice, active duty, or retired military personnel, and retired or a current federal government employee. Their family members are also eligible to join.

You can complete the application online and open a share savings account which requires a minimum opening deposit of $5. You must also submit a copy of your driver’s license, social security cars, or passport as part of their membership requirement. If you are not comfortable giving out your information online, you may visit one of their branches located in the cities of Zion, Waukegan, Round Lake Beach, North Chicago, Libertyville, Gurnee, Chicago, and Antioch in the state of Illinois. You may call contact the credit unions customer service line at 847-578-7000.

Great Lakes Credit Union is a non- profit financial institution which assists their members since 1938. They have already reached 41,156 members and has $542 million in declared assets. The credit union has an NCUA charter number 60238.

Community Bank and Trust invites consumers to take advantage of their best interest rate reward checking account called Power Interest Checking. This money in the bank deal lets you earn an interest rate of 3.05% APY for your deposits up to $24,999.99 and earn an interest rate of 0.50% APY for deposits of $25,000 to $99,999.99. Finally, an interest rate of 0.25% APY can be earned on portions of your deposit of $100,000 and above.

You can start earning this high yield checking account rates when monthly qualifications are met. The following are the list of the monthly requirements:

• make 12 or more signature based transactions using your debit card, purchases made must be at least $10 worth or more
• sign in and access your account through online banking every month
• enroll and receive electronic bank statement every month
• setup at least 1 ACH direct deposit through payroll, SSI, or Pension with a minimum of at least $200

Consumers who want to take advantage of this best checking account will have to make an initial deposit of at least $50 to open an account. In case you do not meet the requirements for the qualifying cycle, you do not have to worry since you will still earn the base interest rate of 0.10% APY. In addition to this, you will not be charged a monthly service fee even though you did not meet the requirements since this is still free checking. The checking account does not charge any maintenance fee as well.

The dividend earned on this best reward checking account is compounded and paid monthly. Please do remember that once the account is opened the interest rate may change without prior notice, so be sure to ask the bank for the latest checking account rates.

A branch visit is needed in order to open an account. Community Bank and Trust has branches located in the cities of Greenfield, Sheboygan, Appleton, Plymouth, Glendale, Elkhart Lake, and Chilton. Please remember to bring valid picture idenfication or other documentation with your current address listed on it. For more information about this est reward checking account and their current interest rates you may call the bank’s customer service line thru 920-459-4444 or 888-582-4440.

Community Bank and Trust was opened in 1989. Currently, they have over 11 branches in the state of Wisconsin and has already reached over $574 million in declared assets. The bank is a member of the Federal Deposit Insurance Corporation and has a certificate number 27507.

University of Iowa Community Credit Union continues to provide attractive interest rate for their reward checking account. You can earn an interest rate of 3.25% APY when you have deposits up to $25,000 and earn an interest rate of 0.25% APY for portion of your deposits above $25,000. Plus, receive unlimited ATM fees refunded when you meet the monthly qualifications. The following are the list of monthly requirements that you need to meet each month:

• make up to 12 signature based purchases using your debit card, purchases must average at least $5 per purchase
• set up at least one direct deposit per statement cycle
• subscribe and receive your monthly statements electronically

In case you do not meet the requirements for the month, you do not have to worry since your checking is still free and you get to earn the base interest rate of 0.10% APY on your entire deposit. You can start over the following month to earn this best interest rate. The credit union will require you to deposit a minimum of at least $50 to open an account.

Since this is a free checking, there is no monthly service fee nor maintenance fee on that will be charged on your account. Aside from this, you get to enjoy unlimited check writing, free online banking with bill pay, and telephone banking. Please note that the interest rate on this reward checking account may change at the credit union’s discretion.

Membership with University of Iowa Community Credit Union is open to individuals who are living or working in the 36 counties of Eastern Iowa which include Washington, Warren, Wapello, Tama, Story, Scott, Poweshiek, Polk, Muscatine, Monroe, Marshall, Marion, Mahaska, Lucas, Louisa, Linn, Lee, Keokuk, Jones, Johnson, Jefferson, Jasper, Jackson, Iowa, Henry, Hardin, Hamilton, Grundy, Dubuque, Des Moines, Clinton, Cedar, Buchanan, Black Hawk, and Benton. Membership is also open to relatives of current University of Iowa Community Credit Union members.

To apply for membership, you may complete the application online and open a share savings account which will only require a minimum deposit of $5. in order to activate your account, you will be required to sign your documents electronically or stop by their office. You also need to mail notarized copies of your documents and photo ID. If you still have questions about the requirements, membership eligibility, or current checking account rates you may call the credit union’s customer service line at 319-339-1000 or 800-397-3790.

University of Iowa Community Credit Union was organized in 1938. They have a total of 11 branches located in the cities of Vinton, Cedar Rapids, North Liberty, Coralville, Iowa City, Hiawatha, and Grinnell. The credit union is NCUA insured and has a charter number 60269.

State Employees Credit Union is pushing for their reward checking account which has an attractive interest rate. The credit union provides the following interest rates for their reward checking account:

• 3.05% APY will be earned for balance of up to $35,000
• 0.50% APY will be earned for the portion of the balance above $35,000
• $25 ATM fees can be refunded each month

You can start enjoying this best reward checking account when you open an account and deposit a minimum of $25. You must meet the checking account requirements every cycle in order to earn this best interest rate and reimburse your ATM fee. The following are the list of the monthly requirements that you need to meet:

• make 10 or more debit card purchases every month
• have at least 1 direct deposit or automatic payments every month
• sign up and log on to your online banking monthly
• subscribe and receive paperless electronic statement monthly

In case you do not meet the monthly requirements, you do not need to worry since you still get to enjoy free checking and earn the base interest rate of 0.15% APY on your entire deposit. You still get an opportunity to qualify for this best reward checking account rates on the next monthly cycle.

The dividend of this money in the bank deal is compounded monthly and credited onto your account on the last day of each month. This best checking account does not require any minimum balance after account is opened nor does it charge any monthly service fee. You can also enjoy unlimited check writing, overdraft privilege, and $250,000 worth of insurance coverage with the National Credit Union Association.

Membership with State Employees Credit Union is open to persons who live or work in the counties of San Miguel and Valencia. You are also qualified to become a member if you are employed or retiree from any state, city, or county in New Mexico. Employees of any printing or publishing company located in the counties of Taos, Santa Fe, and Rio Arriba are also eligible to join. Immediate family members are also welcome to join the credit union.

You need to complete the membership application form and open a share savings account which will only require a minimum opening balance of $50. This balance must be maintained so that the membership will not be terminated. You also need to present and submit a copy of your valid picture identification with your current address on it.

For more information about their membership eligibility or current checking account rates, you may call customer service line at 800-983-7328. State Employees Credit Union has several branches in New Mexico state in the cities of Albuquerque, Santa Fe, Belen, Los Lunas, and Las Vegas.

State Employees Credit Union was federally chartered in 1958. The credit union has an NCUA charter number of 65513.

First Community National Bank offers a money in the bank opportunity with their reward checking account called Real Life Checking account. The bank lets you earn an interest rate of 4.01% APY for your deposits up to $25,000 and you can earn an interest rate of 0.50% for portions of your deposits above $25K. You can also refund your foreign ATM fees of up to $20 per cycle when all qualifications are met. Here are the following checking account requirements that you need to meet in order to earn this best interest rate:

• make at least 10 or more signature based transactions using your debit card
• subscribe and receive electronic bank statements every month
• make at least 1 ACH or 1 direct deposit
• make at least 1 online bill payment or have 5 or less checks

If requirements are not met during the qualifying cycle, you will earn a lower interest rate of 0.01% APY which is the bank’s base interest rate and a $2 service charge will be assessed. This best reward checking account does not require any minimum balance nor does it charge any monthly service fee.

Aside from earning this best interest rate, you can also earn a cash back reward when you make at least a minimum of 20 signature based transactions. You can earn 0.25% APY cash back for every debit card purchases you make, and you can earn a maximum of $25 worth of cash back every month.

In addition, you can also monitor your account and pay your bills by enrolling to online banking. You can even check recent activities and get a copy of your monthly statement online. You can also enjoy unlimited check writing and receive the first order of your checks for free. Please remember that the current interest rate may change anytime without prior notice.

A branch visit will be necessary in order to to open an account. You will be required to submit a copy of your valid picture identification like social security card, driver’s license, or passport. First Community National Bank has branches in Missouri state in the cities of Sullivan, Rolla, Steelville, Cuba, Eureka, and Vienna. If you still have questions about their reward checking account and current interest rates, you may call customer service line at 573-775-2151.

First Community National Bank has been assisting its customers with their financial needs since March 16, 1906. Currently, the bank has grown to have over $229 million in assets. The bank is also registered under the Federal Deposit Insurance Corporation and has a certificate number 1639.

First Trade Union Bank has an ongoing promotion with their checking account. The bank is offering a cash bonus of $100 when you open a Virtual Checking account and meet their other requirements. This checking account promo is scheduled to last until 31 December 2011.

You can open a Virtual Checking account by making an initial deposit of $100 or more. You will also be required to enroll with their free online banking, subscribe and receive free electronic bank statement every month, and elect to receive a free check card. You must also maintain an average daily balance of at least $1,000 to earn the dividend.

Additional features of this best checking account is that it does not require any minimum balance after opening an account and no maintenance fee, refund your ATM fees of up to $20 per statement cycle, and free basic check for the first order. The current interest rate for this Virtual Checking account is 0.25% APY.

Here are the following requirements that you need to meet in order to get the full $100 bonus:

• first, you must open a First Trade Virtual Checking account before the promo date ends
• earn $50 when you enroll in First Trade Union Bank bill pay service and pay at least 1 bill before January 31, 2012
• earn another $50 when you setup at least one direct deposit credited to your Virtual Checking account before January 31, 2012. Qualifying deposits may include Social Security Income, pension, salary, or other regular monthly income or benefits.

Take note that you must have a balance of more than $1 on your checking account during the promotion to receive your checking account bonus. The bonus will be credited on to your Virtual Checking account within 15 businesses days after all requirements have been posted. This checking account bonus is only open to on individual with one Virtual Checking account.

Individuals who want to take advantage of this checking account promo have 4 ways to apply and open a Virtual Checking account. First option is to call customer service at 800-242-0272, you may also send an email to the bank, another option is to complete the application online, and finally to visit one of the bank’s branches. First Trade Union Bank has several branches in New York, Massachusetts, and Rhode Island states.

First Trade Union Bank was founded in 1987. Currently, they have grown to have over $620 million in declared assets. The bank is also insured by the Federal Deposit Insurance Corporation and has a certificate number 32551.

Ouachita Independent Bank provides attractive interest rates for their reward checking account called OIB Reward Plus Checking. This best checking account lets you earn an interest rate of 3.01% APY for balances of up to $15,000 and an interest rate of 0.51% APY will be earned on balances above $15,000. It also reimburses ATM fees when qualifications are met. The following are the bank’s checking account requirements:

• make at least 12 purchases using your debit card
• setup at least 1 direct deposit or 1 automatic payment
• sign-up and receive electronic bank statement every month

If you do not qualify for the monthly cycle, do not worry since you can still enjoy this free checking account since there is no monthly service fee. You will also earn the bank’s base interest rate of 0.05% APY. The good news is that you will still get a chance to earn their best reward checking account rate on the following cycle and refund your ATM fees on the following cycle.

This best checking account does not require any minimum balance after account opening. You can also monitor your account by subscribing to online banking with free bill payment. The dividend of this money in the bank deal is compounded and paid monthly.

In addition to this, you will not only earn the best interest rate for your reward checking account but also with your savings account. You just need to link your OIB Reward Plus Checking to your Reward Plus Savings and meet the monthly requirements to earn this highest interest rate. You can earn an interest rate of 1.25% APY on your savings account for balance of up to $100,000 and an interest rate of 0.51% APY for balance above $100K.

Individuals who want to take advantage of this best reward checking account, you must deposit a minimum of $100 to open an account. The same with the reward savings account the minimum opening balance is also $100. Please do remember that the interest rate may change anytime without prior notice. Fees may also reduce the earnings.

There are several ways to apply and open this best reward checking account. You can choose to apply online, but if you are not comfortable giving out your information online you can visit one of the bank’s branch. Ouachita Independent Bank has several branches located in the cities of West Monroe, Bastrop, Shreveport, Bossier City, and Monroe in the state of Louisiana. You can call their customer service line if you have additional questions with regard to their reward checking account and current interest rate thru 318-338-300.

Ouachita Independent Bank has been serving people of north Louisiana with their financial needs since 1997. The bank is also a member of the Federal Deposit Insurance Corporation and has a certificate number 34332.

Communication Federal Credit Union invites its members to take advantage of the best interest rate for their reward checking account called Free Performance Checking account. This money in the bank deal lets you earn an interest rate of 4.00% APY for deposits up to $30,000 and a portion of your deposit above $30,000 will earn an interest rate of 1.00% APY. Plus, reimburse up to $25 worth of foreign ATM fees per statement cycle when you meet the following monthly requirements:

• make at least 12 signature based transactions using your debit card
• post at least one direct deposit worth $500 and above every month
• post at least one ACH auto debit or bill payment every month
• sign up and receive electronic bank statement every month

If these monthly requirements are not met for the cycle, the account will function as a free checking account which will only earn an interest rate of 0.25% APY. Aside from this, you will no longer be able to refund your foreign ATM fees for the cycle. You do not have to worry since you will still be able to earn this best reward checking account rate on the following cycle when qualifications are already met.

In addition, this best checking account requires a very low opening balance of only $25. This money in the bank deal doe not charge any monthly service fee nor maintenance fee after opening an account. Another feature that this best reward checking account has are free unlimited check writing, unlimited over the counter withdrawals, free online banking with bill payment, free Starline services, and free Overdraft Protection. Take note that the interest rate may change anytime once account is opened, you may call the credit union to ask for the latest checking account rate.

Membership with the Communication Federal Credit Union is open to those who reside or work in the state of Kansas and 2 counties in Oklahoma which are in Pottawatomie and Carter Counties. Employees and retirees of one of their select employee groups, you can check the list on the credit union’s website. Those who wants to join the Citizens for Financial Literacy are eligible to join. Immediate family members are also welcome to join the the credit union membership.

You may visit the credit union’s website and complete the application form. You need to pay for a one time membership fee of $5 and deposit a minimum of $5 on your new regular share savings account. You will also need to submit copy of your valid ID picture which includes social security card, passport, or driver’s license.

For a more detailed information about their reward checking account, current interest rate, and membership you may call customer service at 800-522-3535. Communication Federal Credit Union has several branches located in the state of Oklahoma and Kansas.

Communication Federal Credit Union has been providing financial services to its members since 1939. It is a sizable credit union with 49,876 members and has over $822 million in declared assets. The credit union is also a member of the National Credit Union Association with charter number 3454.

WesBanco has an ongoing promotion with their checking account. You can obtain this checking account bonus when you open a checking account and deposit a minimum of $50. This money in the bank deal lets you earn an interest rate of 0.10% APY. The interest rate for this checking account may change anytime without prior notice.

This best checking account will provide you a debit card which you will use to earn this bonus. You must use your debit card for purchases within 90 days from opening of account. The following are the bonuses that you can receive depending on the number of purchases posted on your debit card:

• 10 debit card purchases made within 90 days from account opening is equivalent to $50 bonus
• 30 debit card purchases made within 90 days from account opening is equivalent to $70 bonus
• 50 debit card purchases made within 90 days from account opening is equivalent to $100 bonus

The checking account bonus will be credited on to your account within 5 days at the end of the 90 day period. Customers of WesBanco who has an existing checking account, those who transfer money from another existing account with the bank, or those who already use their debit card for previous promotions are not eligible for this offer. New customers of WesBanco who are about to open a checking account are the only ones who are qualified. This offer is valid until November 21, 2011.

Interested individuals will need to visit one of the bank’s branch to open an account. WesBanco has several branches located in Pennsylvania, Ohio, and West Virginia state. Make sure to bring valid picture ID for verification, you must also have your current address listed on the ID that you will be presenting. If you still have questions with regard to this checking account promotion you may call customer service line thru 800-328-3369.

WesBanco was originally chartered on January 20, 1870, but they officially began its operations on April 3, 1870. Currently, they have already grown and reached over $5 billion in declared assets. The bank is also FDIC insured and has a certificate number 803.

First Tennessee Bank is running a checking account promotion which allows you to earn up to $396 bonus. All you need to do is to follow the banks requirements in order to gain the bonus. The bank will require you to open a checking account, a money market savings account, and secure a real estate secured portfolio loan. This offer is scheduled to expire on November 30, 2011.

Checking Account

The bank will require to to deposit a minimum of $300 to open this checking account. This balance must be maintained or have a higher deposit and you must setup at least one direct deposit posted in your account within 60 days from account opening. Within six weeks from the time that the direct deposit got posted you will receive your $100 which will be credited on to your account.

Money Market Savings Account

You need to deposit and maintain a minimum balance of at least $10,000 on your money market savings account to earn an additional $100 bonus which will be credited on to your account six weeks after meeting the requirements.

Real Estate Portfolio Loan

You need to apply for real estate portfolio loan before November 30, 2011 to receive a $100 Visa Gift Card. The Gift Card will be mailed to you in approximately 4 weeks after you have closed the loan. The Visa Gift Card that will be issued to you is a prepaid credit card which can be use everywhere.

If you take advantage of all three offers, and was successful to fulfill all qualifications before the given deadline you will receive an extra bonus worth $96. This special bonus will automatically be credited on to your checking account by January 1, 2012. Please note that you are not required to open all 3 accounts at the same time.

The bank will require you to visit their office to open an account to qualify for the promotion. First Tennessee Bank has several branches located in the state of Tennessee, Georgia, North Carolina, and Mississippi. If you still have questions or concerns with regard to their checking account promo, you may call customer service at 800-382-5465 or 901-523-4883.

First Tennessee Bank has been providing financial services to individuals and businesses since 1864. They are known to be one of the largest bank in the nation which has over $24.8 billion in declared assets. The bank is also insured with the Federal Deposit Insurance Corporation and has a certificate number of 4977.

Two Rivers Bank & Trust offers attractive interest rates for their reward checking account called Wow Checking and another high yield checking account called Wow Plus Checking account.

Wow Checking Account

This Wow checking account bank earns you an interest rate of 3.04% APY for balance of up to $25,000. You can earn an interest rate that will range from 3.04% to 0.50% APY on balances thru $25,000. You can even refund ATM fees of up to $25 per cycle when you meet the monthly requirements:

• make at least 10 debit card purchases monthly
• setup at least 1 direct deposit or 1 automatic payment monthly
• subscribe and receive electronic statement monthly
• access your account through online banking at least once a month

if you do not meet the requirements during a monthly qualification cycle, you will earn an interest rate of 0.10% APY on your deposit and you will be disqualified in refunding your ATM fees. You do not have to worry since this best checking account does not have monthly service fee nor minimum monthly balance after opening. Best of all, it has a very low opening balance of only $100.

Wow Plus Checking Account

Another checking account that is being offered by the bank is their Wow Plus Checking account. This account is similar to their Wow Checking account, they both have the same interest rates and monthly requirements to meet. The difference between these two account is the the Wow Plus Checking account requires you to open and maintain a Wow Savers account. The earnings that you will get from your checking account will automatically be transferred to your savers account.

In addition, not only your Wow Plus Checking account will earn the best interest rate as well as your Wow Savers account. You can earn an interest rate of 1.00% APY for balances of up to $25,000 on your savers account and an interest rate that will range from 1.00% to 0.50% APY will be earned on balance above $25,000 depending on the balance. Plus, reimburse up to $25 worth of ATM fees. This savings account only requires you to deposit a minimum of $1 to open an account.

You can start earning this best checking account rate by completing the application online and providing a copy of your ID and this includes social security card, driver’s license, or state issued ID. You also need to write a check which will be use to fund your new reward checking account.

If you are not comfortable providing your personal information online, you may visit one of the bank’s branches which are located in the cities of West Des Moines, Burlington, New London, Iowa City, W. Burlington, Des Moines, Mount Pleasant, and Mediapolis in the state of Iowa. You may call customer service thru 888-226-6063 or 800-370-6723.

Two Rivers Bank & Trust was established in 1992 and was formerly known as Burlington Bank and Trust which was originally established in 1904. Currently, they have grown to have over $679 million in assets. The bank is also insured by the FDIC and has a certificate number of 58013.

Williamstown Bank continues to offer attractive interest rates with their free reward checking account. This best checking account lets you earn an interest rate of 3.05% APY when your deposit is up to $25,000. you can earn an interest rate of 0.50% APY on portion of your deposit above $25K. You can also reimburse up to $20 of ATM fees per statement cycle, as long as you meet the following checking account requirements:

• post at least 10 debit card purchases every month
• setup at least 1 or more ACH auto debit or direct deposit
• subscribe and receive your electronic statement every month

If monthly requirements are met, the account holder will not only earn this best checking account rate and reimburse your ATM surcharges but you will also earn the highest interest rate on your Real Saver account. You may earn up to 1.26% APY for your balances of up to $50,000 on your savings account and 0.50% APY on portion of your balance above $50,000. The minimum deposit for this savings account is $100. The interest rate and refunded ATM fees on your checking account will automatically be transferred on your Real Saver account.

In case you do not meet the checking account requirements, you will then earn the base interest rate of 0.25% APY for all balance both on your checking account and savings account. Aside from that, you will no longer be able to refund your ATM surcharges. The bank still gives you a chance to earn this best interest rate on the following cycle when you meet their requirements.

This best reward checking account does not require a minimum balance to open an account. This is only available to personal accounts only. The best about this checking account is that it does not charge any monthly service fee nor monthly maintenance fee. According to the banks website, the statement cycle of this best reward checking account end every 11th day of the month. If the 11th day of the month falls on a weekend or holiday, the statement cycle will end on the first business day after the 11th.

You may complete the application form online and wait for confirmation with the bank. You need to provide valid identification like driver’s license, passport, or social security card. If you are not comfortable sending your information online, you may visit one of the banks branch and apply. Williamstown Bank has office located in the cities of Williamstown and Parkersburg in the state of West Virginia. For more information about this best reward checking account you may call customer service at 304-375-6262 or 304-485-1717.

Williamstown Bank was incorporated on the 1st of October 1919. They still continue to grown and already have over $132 million in declared assets. The bank is registered under the Federal Deposit Insurance Corporation and has a certificate number 14744.

IH Mississippi Valley Credit Union still provides attractive interest rate for their reward checking account called Checking Plus account. This money in the bank deal lets you earn an interest rate of 3.04% APY for deposits up to $25,000 and portion of your deposit above $25,000 will earn you an interest rate of 0.25% APY. You can also reimburse $25 worth of ATM surcharges every month when you meet the following requirements:

• have at least 12 purchases using your debit card
• subscribe and receive e-statements monthly
• setup at least one incoming ACH or direct deposit

This best checking account does not require a minimum balance to open an account. In case you do not meet the monthly requirements, you will not be able to get the $25 ATM fees and you will only earn the base interest rate of 0.05% APY. You do not have to worry since this best reward checking account does not charge any monthly service fee nor maintenance fee.

The credit union also provides free services on your checking account like online banking with bill pay, unlimited check writing, overdraft fees, and phone banking. Additional benefit, you can earn their Choice Rewards. These are points that you earn every time you use your debit card. Take note that the interest rate may change anytime without prior notice.

IH Mississippi Valley Credit Union membership is open to person and their family who lives or works in Illinois state in the counties of Whiteside, Warren, Rock Island, Mercer, McDonough, Lee, Knox, Henry, Hancock, Carroll, and Bureau. In addition, the counties of Scott, Muscatine, Louisa, Lee, Jones, Johnson, Jackson, Des Moines, Clinton and Cedar in the state of Iowa are also eligible.

You can apply for membership by visiting one of the credit union’s office. You are required to deposit and maintain a minimum of $5 on your savings membership account. You will also be required to provide two forms of identification. The following are the list of acceptable forms of identification:

• Primary Forms: Driver’s license, State ID, Passport, School photo ID (minors), Military ID, Firearm Owner Identification, Resident alien card, or Matricula
• Secondary Forms: Major credit card, Utility bill or credit card bill, employer pay stub, Social Security Card, Government employer photo ID, Any IH Mississippi Valley Credit Union card, Title or Registration Documentation or Voter registration card
• Acceptable Forms of Address Verification: Rental or Lease Agreement, Utility or credit card bill, Title or Registration Documentation, passport, state ID, or Driver’s License

IH Mississippi Valley Credit Union has several branches in Illinois and Iowa. For more details about their membership and reward checking account, you may call their financial service officer at 800-722-0333.

The credit union has been assisting it members with their financial needs since 1936. They have already reached 104,347 members and over $843 million in declared assets. IH Mississippi Valley Credit Union is listed under the National Credit Union Association and has a charter number 60337.

Access Bank provides a money in the bank opportunity with their reward checking account called Total Access Checking. The bank lets you earn an interest rate of 3.13% APY for balances up to $25,000. Portion of the balance above $25K earns you an interest rate of 0.25% APY. You can start earning this best interest rate on your reward checking account when you meet the following requirements:

• setup at least one direct deposit every month
• make a minimum of 10 purchases using your debit card
• subscribe and receive electronic bank statement monthly

In case you do not meet the banks pre-requisites, you will earn a lower interest rate of 0.10% APY and you will still get a chance to earn this best checking account rate on the following month. According to the bank you can refund ATM surcharges every month even you do not meet the checking account requirements. You are required to deposit a minimum of $100 to open an account. This checking account does not require a minimum balance after account opening nor does require any monthly service fee.

Additional feature of this best reward checking account are free debit card, free online banking with bill pay, free electronic bank statement, free first box of checks, and unlimited check writing. The current checking account rates may change once account is opened, you may want to call the bank and ask for their latest numbers.

It appears that you need to visit one of the bank’s offices to open an account. Access Bank is located in Omaha, Nebraska. Do not forget to bring valid picture identification like passport, social security card, state issued ID, or driver’s license. You may also want to call the bank first before visiting their office their customer service number is 402-763-6000.

Access Bank is a local bank which provides a wide range of deposit accounts to its customers since 2007. It is also a sizable bank which has a $124 million in declared assets. The bank is also registered under the Federal Deposit Insurance Corporation which has a certificate number 58727.

Gas and Electric Credit Union offers competitive interest rates with their reward checking account called Green2 Checking. You can earn an interest rate of 3.50% APY when you have a balance of up to $25,000 and earn an interest rate of 0.50% APY on portion of the balance above $25K. It appears that the credit union does not offer ATM fee reimbursements. You need to meet the following monthly requirements to earn this best interest rates:

• have your retirement check or paycheck deposited into your account
• use your debit card and make at least 15 purchases every month
• receive electronic bank statement every month through online banking

If you are not able to make it for the month, you do not have to worry since you still get to earn their base interest rate and still get the chance to earn this best interest rate on the following month. This best checking has no minimum balance requirement and no monthly service fee. Take note that the current interest rate of this checking account is subject to change anytime without prior notice.

To become a member of Gas and Electric Credit Union you must be an employee or retirees of the Bituminous Insurance, Mid American Energy, and the City of Rock Island. Relatives of employees and retirees are also eligible to join. You need to visit the credit union’s office in Rock Island, Illinois to apply for membership. You also need to present a copy your social security card or driver’s license. You can call their customer service line to get detailed information on their membership eligibility at 309.793-3610.

Gas and Electric Credit Union has been serving it members since 1935. Currently, they have reached $57 million in declared assets with 4,884 members. The credit union is also insured with the National Credit Union Association and has a charter number 65003.

Partners Financial Federal Credit Union is still pushing for their best reward checking account which has a competitive interest rate and it is called Imagine Checking. This money in the bank deal has the following current interest rates:

• receive 3.05% APY when you have a deposit of up to $15,000
• receive 0.75% APY for the portion of the deposits above $15,000

In addition, you can also reimburse up to $25 worth of ATM fees per statement cycle when qualifications are met. The following are the bank’s monthly requirements:

• make purchases using your debit card for at least 10 times
• setup at least 1 automatic withdrawal or 1 direct deposit
• access account online every month through internet banking, you must also have a valid email address

When you meet the monthly requirements, your earnings and ATM fee refunds will automatically be deposited on to your Imagine Savings account every month. Plus, you earn an interest rate of 0.50% APY on your savings account. If you did not meet the requirements for the cycle, you will not be able to reimburse your ATM fees and you will earn a lesser interest rate on both checking and savings account. The base interest rate the you will earn on your reward checking account is 0.10% APY and 0.15% APY for your savings account.

This best checking account has no minimum balance requirement and no monthly service fee. Another feature of this checking account is that you can enjoy unlimited check writing, free online bill pay and the accounts are insured by NCUA of up to $250,000. Please note that once the account is opened the interest rates may change, so I advise the you ask the credit union for their most current checking account rate.

Partners Financial Federal Credit Union membership is open to anyone who live, attend school, worship, or work in the counties of Richmond, Henrico, Chesterfield, and Hanover. Immediately family members such as spouse, children, parents, siblings, grandparents, and grandchildren are also eligible to join. If you are not certain if your eligible to join, you may call the credit union’s member service department at 804-649-2957.

You can start the application process by printing a copy of the credit union’s application form there are several forms that you will need to print depending on the type of account or services that you want. First you must complete the main application then fill up the other form for your savings and checking account. The minimum deposit required for their basic share account is $5 which is also one of their membership requirements. You need to deposit a minimum of $25 for your checking account.

After completing your form, you may visit one of the credit union’s branches to submit your application form and initial deposits. Please do not forget to bring valid ID when applying for membership and opening an account. The credit union has a total of 5 branches in Virginia state in the cities of Glen, Richmond, and Midlothian.

If you do not have time to go to the branch then you can just mail your application form, the check to be used to fund your account, and a copy of valid identification. You are also required to get an MIP form which you can also download and print online and have it notarized. It is also necessary that you mail your application at Partners Financial Federal Credit Union, PO Box 887, Glen Allen, VA 23060. Another option is to fax these forms at 804-261-0554 and attention to Member Service.

Partners Financial Federal Credit Union was established in 1958. They are registered under NCUA charter number 12456.

Holcomb State Bank has been offering competitive interest rate on their reward checking account called HSB Green Checking account. Earn their highest interest rate of 3.25% APY when you have balances of up to $25,000. The portion of your balance above $25K will earn you an interest rate of 0.50% APY. In addition, you will be able to reimburse your ATM fees of up to $20 when you meet the following requirements monthly:

• make 10 or more purchases using your debit card
• setup a direct deposit or automatic payment every month
• access HSB online banking
• you must receive a copy of your electronic bank statement every month

If you did not meet the requirements on the current monthly cycle, a lower interest rate will be applied on to your account and that will be the base interest rate of 0.15% APY and you will no longer be able to refund your ATM surcharges. The best thing about this is that you still get a chance to earn this best interest rate on the following month when you meet the monthly requirements.

This money in the bank deal has great features which includes no monthly service, no minimum deposit required when opening an account, no maintenance fee, free telephone banking, and free online banking. The earnings of this best reward checking account is paid every month. Please note that the checking account rate may change once account is opened so make sure to ask for the latest interest rates.

It looks like you need to visit one of the bank’s branch to open an account. You need to complete the application form and write a check to be deposited on your new account. The bank will also require you to bring your social security card, driver’s license, passport, or state issued identification. For more information about their reward checking account and current interest rate you may call customer service line at 815-393-4413. Holcomb State Bank has branches located in the cities of New Milford, Creston, Rochelle, and Holcomb in the state of Illinois.

Holcomb State Bank has been providing financial assistance to their customers since 1892. Currently, they have already reached $149 million in declared assets. The bank is also a member of the Federal Deposit Insurance Corporation and has a certificate number of 9080.

Pelican State Credit Union provides attractive interest rates with their reward checking account called e-Xtra Bonus Checking account. This best checking account lets you earn an interest rate of 4.01% APY for deposits up to $20,000. You can earn an interest rate of 0.25% APY for deposits above $20,000. Plus, you can reimburse your foreign ATM fees of up to $12 when you meet the following monthly requirements:

• perform up to 15 or more debit card purchases every month
• receive direct deposit or payroll deduction
• access your account through online banking at least once a month
• subscribe and receive electronic bank statement and notifications every month

If you do not meet the monthly requirements during the statement cycle, the base interest rate of this checking account will apply on your entire balance. Reimbursement for your ATM fees will also be forfeited. In case you were unable to subscribe and receive electronic bank statement or e-notices, your e-Xtra Bonus Checking account will be converted to Basic Checking account.

This best reward checking account has the following features: no monthly service fee, unlimited check writing, overdraft protection available, free online banking with free e-Pay, and has a very low maintaining balance of just $1 to earn the monthly dividends. Please be reminded that the interest rate of this checking account may change anytime without prior notice.

Pelican State Credit Union membership is open to individuals who live, worship, or work in Rapides Parish in the state of Louisiana. Employees of Pelican State Credit Union and immediate family members are also eligible to join. You may also check the list of their select employer group on their website.

All you need to do is to complete the membership application online pay a one time membership fee of $5. You also need to deposit a minimum of $10 to open a share savings account. The credit union will require you to provide them a copy of your valid picture ID like social security card, driver’s license, or state issued identification. For more details on their membership, you may call their member service representative at 800-351-4877.

Pelican State Credit Union has several branches in Louisiana state in the cities of Zachary, Shreveport, Pineville, Opelousas, Lake Charles, Jackson, Denham Springs, Chalmette, Baton Rouge, and Alexandria.

The credit union is federally insured by the National Credit Union Association since 1956 and has a charter number 62710.

Nassau Educators Federal Credit Union invites its members to take advantage of the best interest rate on their reward checking account called Go Green Checking. This money in the bank deal lets you earn an interest rate of 3.50% APY when you have a balance of up to $25,000. the portion of your balance above $25,000 earns you an interest rate of 0.50% APY. You are required to meet the following requirements to earn this best interest rates:

• make at least 12 debit card purchases with a minimum of $5 per transaction
• subscribe for monthly electronic bank statements
• elect direct deposit of your Social Security check, paycheck, or other recurring deposits of at least $100
• make at least 1 online bill payment every month

In case you do not meet the monthly requirements, you do not have to worry for the penalty since this best checking account has no monthly service fee. Aside from that, you will only earn their base interest rate since qualifications are not met. This high earning checking account has no minimum balance requirements and you can also enjoy unlimited check writing. The dividend rates on this best checking account may change once account is opened, so make sure to contact the credit union to get the latest numbers.

Membership with Nassau Educators Federal Credit Union is open to consumers who live, worship, work, or attend school, and businesses in the counties of Suffolk and Nassau in the state of New York. Immediate family members which includes parents, siblings, spouse, grandchildren, or grandparents, and any household members are also eligible to join.

You may complete the membership application online and make an initial deposit of at least $5 to open your new share savings account. If you still have any questions on their membership eligibility or current checking account rates you may call the credit union at 561-561-0030 or 800-996-3328. Nassau Educators Federal Credit Union has several branches in New York state in the cities of Westbury, Valley Stream, Syosset, Rockville Centre, Plainview, New Hyde Park, Massapequa, Franklin Square, and Brookville.

Nassau Educators Federal Credit Union was chartered in 1938. They are also insured with NCUA which has a charter number 2760.

NuVision Federal Credit Union is running a checking account promotion which lets you earn up to $150 bonus. You need to meet the following requirements to earn the first $50 bonus:

• earn $25 when you open a free checking account which has a minimum deposit of $100. You also need to setup a direct deposit of at least $200 and receive electronic statements monthly
• earn another $25 when you keep your checking account active for at least 90 days. Aside from this you must also make at least 5 debit card purchases every month for 3 consecutive months

This best checking account also requires you to have a minimum daily balance of $2,500 to earn their dividends. In addition, you are also required to meet this other requirement to earn the $100 bonus: You must apply for a loan or fund like a vehicle loan with a minimum balance of $17,000, apply for a credit card with a minimum $2,500 balance transfer, or apply for equity line of credit with a minimum initial draw of $45,000. Take note that the loan must be funded within 90 days of checking account opening.

The credit union also offers a refer a friend program which gives you $25 for each referral. You just need to visit the credit union’s website and print a copy of their referral form or you may also visit their branch and request for those cards.

NuVision Federal Credit Union membership is open to individuals who live or work in Mesa or Southern California. Employees of AZ Boeing are also welcome to join. Immediate family members like spouse, children, parents, grandparents, and grandchildren are also eligible to join. You may also check the list of select employer group through the credit union’s website. In case you still do not qualify, you can apply for membership with American Consumer Council first to be eligible for membership with the credit union. You may call American Consumer Council to apply at 800-544-0414.

You may complete the membership application online and deposit a minimum of $5 on your Primary savings account to become a member. You may also call their office for questions or concerns at 800-444-6327. You may also visit one of their branches located in California state in the cities of Seal Beach, Rosemead, Monterey Park, Los Angeles, Long Beach, Lakewood, Laguna Hills, La Verne, Huntington Beach, and Costa Mesa. Another branch is located in Mesa Arizona. Please remember to bring your social security card, driver’s license, or other state issued ID when you visit the credit union.

NuVision Federal Credit Union has been serving its members since 1935. They are also a member of NCUA with charter number 566.

Chemcel Federal Credit Union is still pushing for the best interest rate with their rewards checking account. The credit union has the following current interest rates:

• 3.50% APY can be earned on deposits of up to $20,000
• 1.01% APY can be earned on the portion of the deposits above $20,000

This best checking account also lets you reimburse your ATM fees of up to $25 when you meet the following monthly requirements:

• make up to 12 debit card purchases every month
• access online banking at least once a month
• subscribe and receive electronic bank statement monthly
• setup atleast 1 ACH credit or debit each month

Individuals who did not meet the requirements will no longer be able to reimburse their ATM surcharges but you will still earn an interest rate of 0.10% APY which is the credit union’s base interest rate. You also get to enjoy unlimited check writing. This best checking account does not require a maintaining balance nor monthly service fee.

This reward checking account also has the following features like free online banking with free online bill payment, free electronic bank statement, overdraft privileges, and no minimum balance required to open an account. Take note that the interest rate of this best checking account is subject to change without notice.

Membership with Chemcel Federal Credit Union is open to Individuals who live, attend school, work, or worship and businesses and other groups in the counties of Nueces and Kleberg in the state of Texas. Employees and retirees of Celanese Corporation, Mustang Engineering, L.P., Mundy Contract Maintenance, and Oxea Corporation. Family members are also eligible to join their membership.

It seems that you need to visit the credit union’s office to apply for membership. All you need to do is to complete their membership application form and deposit a minimum of $5 on to your new share savings account. Do not forget to bring valid picture ID when you visit their branch. Chemcel Federal Credit Union has offices located in the cities of Corpus Christi, Pasadena, Kingsville, Bay City, Bishop, and Dallas in the state of Texas. You may also call their customer service line for questions or concerns on their reward checking or membership eligibility thru 361-584-6246.

Chemcel Federal Credit Union has been providing financial services to its members since 1951. They are also insured with NCUA and has a charter number of 7129.

Guaranty Bank & Loan Association continues to provide attractive interest rate with their reward checking account called Guaranty Advantage Checking. You can earn an interest rate of 3.00% APY when you have a balance of up to $15,000. You can earn an interest rate of 0.10% APY for the portion of your balance above $15,000. You also get to refund your ATM fees of up to $5 when you meet the following monthly requirements:

• make 15 or more purchases using your debit card per statement cycle
• use online banking and receive electronic bank statement every month
• setup at least 1 or more ACH direct deposit every month

If you do not meet the requirements for the month, you will not be able to refund your ATM fees. You do not have to worry because you still get to earn their base interest rate of 0.10% APY. You also earn 5 cents for every signature based purchases you make using your debit card. In addition, this best checking account has no minimum balance requirement nor monthly service fee.

You can take advantage of this best reward checking account when you make an initial deposit of $50 to open an account. The bank also provides the following checking account features like unlimited check writing, free internet banking with bill payment, free teller phone access, and overdraft privileges. Please be reminded that once you open your checking account the interest rate may change, so make sure to call the bank and ask for their latest numbers. The bank’s customer service phone number is 417-520-4333.

The bank requires you to visit one of their branches to open an account. All you need to do is to complete the application form and deposit $50 on to your new reward checking account. You need to bring valid picture identifications like social security card, drivers’s license, passport, or state issued ID. Guaranty Bank & Loan Association is located in the cities of Ozark, Nixa, and Springfield in the state of Missouri.

Guaranty Bank & Loan Association was opened on August 27, 1913. It is a sizable bank with over $689 million in declared assets. The bank is also an FDIC member with certificate number of 28670.

People’s United Bank has an ongoing promotion with their checking account which has a bonus of $100 worth of gas card. You can take advantage of this promo when you open a checking account now which has a very small minimum opening balance of $25. Checking account must be opened not later than October 31, 2011 to qualify for the promo. You will be given 3 choices of activities which you need to complete within 60 days from account opening to qualify for the bonus:

• make at least 5 bill payments amounting at least $25 each through online banking
• make at least 10 debit card purchase with at least $25 per transaction
• setup a recurring direct deposit of at least $100

Consumers who want to take advantage of this promo can complete the application online, you can choose either their Plus Checking account or Advantage Checking account. For Plus Checking account, this is a free checking with direct deposit and also open to individuals age 65 or older. While the Advantage Checking account is an account with combined average balance of $5,000 or more in your personal deposits such as CD account. The best thing about this checking account is that they offer free identity theft protection with credit monitoring online through Equifax.

This checking account promotion is open to new customers of People’s United Bank and also to individuals who resides in the state of New Hampshire, Maine, Vermont, Rhode Island, Massachusetts, New York, and Connecticut. You may also call customer service if you still have questions with regard to their promotion thru 800-810-9761.

People’s United Bank was founded in 1988. It is a sizable bank with over $25 billion in declared assets. The bank is also registered under FDIC certificate number 27334.

Kemba Credit Union offers attractive interest rates with their reward checking account called Get Green Checking. This money in the bank deal earns you an interest rate of 3.50% APY on balances up to $25,000 and an interest rate of 0.25% APY can be earned on balances above $25,000. You can also reimburse your ATM surcharges of up to $20 at the end of the statement cycle when you meet the following monthly requirements:

• make at least 12 purchases using your debit card
• setup at least 1 direct deposit every month
• enroll and receive electronic bank statement every month
• sign up and log in to online banking at least once a month

If you do not meet the requirements for the cycle, you will not be able to refund your ATM fees. You do not have to worry since you will still earn their base interest rate of 0.15% APY. The best thing about this is that this best checking account has no monthly service fee nor maintenance fee. You can even make unlimited check writing. Take note that the checking account rate is subject to change anytime without prior notice.

Membership with Kemba Credit Union welcome everyone who live, worship, work, or attend school in the counties of Brown, Butler, Adams, Clark, Clermont, Clinton, Greene, Darke, Hamilton, Highland, Miami, Montgomery, Preble, and Warren in the state of Ohio and also the counties of Franklin and Dearborn in the state of Indiana. Immediate family members are also eligible to join. You may also check the list of select employer group on the credit union’s web page.

It seems that you need to visit one of the credit union’s office to apply for membership. You just need to make an initial deposit of $5 on your new share savings account as part of the membership requirement. You may also call customer service line if you still have questions with regard to their field of membership or checking account rate thru 800-825-3622.

Kemba Credit Union has several branches located in the state of Ohio, Kentucky, and Indiana. They have been serving its members since 1934 and they have already reached over $477 million in declared assets with 64,326 members. The credit union is also insured with the National Credit Union Association with charter number 61810.

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.

Navy Army Federal Credit Union is still offering attractive interest rates for their reward checking account called Liberty Checking. This best checking account has the following interest rates as of the date of this posting:

• 3.51% APY can be earned for balances of up to $25,000
• 1.01% APY can be earned on the portion of the balance above $25,000

You can also refund your ATM fees when you meet the credit union’s monthly requirements which are the following:

• subscribe and receive electronic bank statement every month
• setup at least 1 direct deposit or 1 automatic payment posted and clear every month
• have at least 10 or more purchases using your debit card

In case you do not qualify for the current statement cycle, you do not have to worry since you still get to earn their base interest rate of 0.10% APY but you will not be able to refund your ATM fees. The good news is that there will be no monthly service fee charge on your account and you still enjoy unlimited check writing. Please be reminded that the interest rate listed above may change once account is opened, so make sure to contact the credit union and asked for their current interest rate.

You are eligible to join the Navy Army Federal Credit Union when you live, work, attend school, or worship in the counties of San Patricio, Nueces, Kleberg, Jim Wells, Nee, and Arkansas. Family members are also eligible to join. You may complete the application online, pay a one time membership fee of $15, and finally deposit a minimum of $25 to open a share savings account to become a member.

If you are still not sure if you qualify for membership you may call the credit union’s customer service line at 361-986-4500 then press option 2 or if you are on a different state you may call their toll free number 800-622-3631. The credit union has offices located in the cities of Rockport, Portland, Beeville, Kingsville, and Corpus Christi in the state of Texas.

Navy Army Federal Credit Union was chartered on January 28, 1955 and was first named as Naval Employees Corpus Christi Federal Credit Union. Currently, the members of the credit union has grown to have over 86,000 members with more than $1 billion in declared assets. The credit union is governed by NCUA and NCUSIF of up to $250,000 per account holder. They have an NCUA charter number 9998.

Lockheed Federal Credit Union has an ongoing promotion with their checking account. You can receive a bonus of up to $150 when you follow the following steps:

• Earn $50 when you open a checking account with a minimum balance of $250
• Earn $50 when you setup a direct deposit of at least $100 per month, you must begin to process this at least 60 days from account opening
• Earn $50 when you make at least 3 online bill payments per month, you must also begin processing this at least 60 days from account opening

This checking account bonus expires on September 30, 2011. Take note that this promo is only available to new checking account holders. Aside from the bonus, you can also enjoy the following benefits provided by the credit union like free monthly service fee with electronic bank statement, free online banking and bill pay, free mobile banking with apps for your iPhone or Android, and Free Identity Theft Benefits worth $5,000.

Membership with Lockheed Federal Credit Union is open to individuals who are employed to one of the select employee groups, you may check the complete list of these groups on the credit union’s website. If you do not belong to any of the employers member of the credit union then another option will be to join the American Consumer Council. There is no fee in joining the council. For questions or concerns you may call customer service at 800-328-5328.

It seems that you need to visit the credit union to apply for membership. You just need to deposit a minimum of $5 to open a share savings account as part of the membership requirement. Please remember to bring valid picture ID like driver’s license, passport, or social security card. The credit union has offices in the state of New Hampshire and California.

Lockheed Federal Credit Union was established in 1937. Currently, they have reached over 103,293 members with $3 billion in declared assets. The credit union has an NCUA charter number 1999.

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.