3.51% Reward Checking Account at Union National Community Bank in PA

Union National Community Bank has a reward checking account called Gold Rewards Checking. The account offers the following rates and features if certain monthly requirements are met:

• 3.51% APY on balances up to $20,000
• 1.01% APY on the portion of the balance over $20,000
• 0.50% base rate if qualifications are not met
• ATM fee refunds worldwide up to $25 per cycle

The monthly requirements include:

• 12 debit card purchases
• 1 ACH direct deposit or automatic debit
• receive e-Statements

Additional features of the account regardless of the monthly requirements include:

• $50 minimum initial deposit
• No minimum balance requirement
• No monthly service charge
• Multiple accounts can be opened, but qualifications must be met on each one to receive the rewards

There's an online application at the Gold Rewards Checking webpage. However, it states that a branch visit is necessary to complete the application process.

Branches are located in the Pennsylvania cities of Mount Joy, Lancaster, Columbia, Elizabethtown, Ephrata, Landisville, Manheim and Maytown. The bank has been FDIC insured since 1934 (FDIC Certificate # 7635).

Other Reward Checking Accounts

The $20,000 cap is a little low for reward checking. The most common balance cap is $25,000.

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.