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4.51% Reward Checking Account at Cross County Bank in Arkansas

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Cross County Bank
Update 7/18/09: The top rate has fallen to 4.51% APY.

Cross County Bank is offering a reward checking account called The Most Checking. It pays 4.51% APY on balances up to $30,000 (1.12% for above) and refunds ATM fees (domestic only) of up to $30 per cycle if the following monthly requirements are met:
  • 10 debit card purchases
  • one direct deposit or ACH debit
  • receive electronic statements
If these are not met, the rate falls to 0.50%. The minimum initial deposit is $100. There are no monthly service fees. Multiple accounts can be opened, but each must meet all the requirements.

There's an online application at The Most Checking webpage that appears like they may accept out-of-state customers. I've sent an email to confirm. Update 9/22/08: I received a reply from the bank, and I was informed that "in most cases, it does require a branch visit to open this account type."

Branches are located in the Arkansas cities of Wynne, Cherry Valley, Hickory Ridge and Jonesboro. The bank has been FDIC insured since 1934 (FDIC Certificate # 13821).

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation or to learn more about these accounts, please refer to my High Yield Checking website.

Rate History:
07/16/09: 4.51% APY up to $30K; 1.12% APY over $30K
03/12/09: 5.01% APY up to $30K; 1.13% APY over $30K
09/21/08: 6.01% APY up to $30K; 1.01% APY over $30K

  Tags: Arkansas, checking account, reward checking account, Cross County Bank

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Comments
2 comments.
Comment #1 by Robert (anonymous) posted on
Robert
I called and was told that you had to be an Arkansas resident to join the bank.

1
Comment #2 by Anonymous posted on
Anonymous
As of 3/12/09 the two top tiers are: 5.01% APY up to $30K, and 1.13% over. Base rate same.

1