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Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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Cattaraugus County Bank1.75%-$10kMaximum Green Checking Account
Cattaraugus County Bank0.10%--Maximum Green Checking Account
Accounts mentioned in this post. Rates as of August 20, 2014

Cattaraugus County Bank Opens Up Its High-Yield Reward Checking Account


Cattaraugus County Bank

Update 11/09/2010: The bank has changed its policy and is now restricting applications to its market area (parts of New York State).

I first reported on Cattaraugus County Bank's high-yield reward checking account in July 2009 (see review). After more than a year, the rate has held at 3.25% APY for balances up to $25,000. The bank now has an online application at The link to this application is located at the bank's micro website, I emailed the bank to find out who is eligible to open this account. Here is an excerpt of the reply I received:

Geography is not a disqualifying factor. So no matter your address, I encourage you to go to

Please note that it's a small bank with only $164 million in assets so its current availability policy may not last.

For nationwide reward checking accounts with a $25K cap, a 3.25% APY comes in fourth place behind Westfield Bank's 3.50% APY and Coulee Bank's 3.33% APY and HCSB Bank's 3.26% APY. Even though Cattaraugus County Bank comes in only fourth, it's always nice to have a new nationwide reward checking account.

Other High-Yield Reward Checking Accounts

To find reward checking accounts in your state or to find those available nationwide, please refer to the reward checking section of

  Tags: Cattaraugus County Bank, checking account, New York

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Comment #1 by Anonymous posted on
The account is now restricted to counties near the banks zip code

We regret to inform you that we cannot open your account due to information provided during the application process. Our policy changed and as stated in the new Truth In Savings Disclosure you read during the application process:"Approval to open a Maximum Green Checking is determined, in part, by proximity to a CCB location, based on the zip code of the applicant."

We apologize for any inconvenience this may have caused you.