High Yield Reward Checking Accounts
Compare rates on reward checking accounts from banks and credit unions. On average, reward checking accounts offer significantly higher rates than traditional checking accounts. Most require you actively use the account each month, which banks usually define as five to ten debit card transactions, in order to earn the higher rate. You can use the plus icon next to each account to view the account requirements.
| Bank or Credit Union | Apy | Min | Max | 1yr Est. Earnings | Product | |
| Danversbank | 4.01% | - | $25k | $200 | Free Rewards Checking | |
| Capital Bank | 4.01% | - | $10k | $200 | Smart Checking | |
| South Division Credit Union | 4.01% | - | $25k | $200 | Freedom Green Checking | |
| Lake Michigan Credit Union | 4.00% | - | $15k | $200 | Max Checking - Qualifying | |
| Evantage Bank | 4.00% | - | $10k | $200 | Reward Checking | |
| Bank of the Wichitas | 4.00% | - | $10k | $200 | Wichita Reward Checking | |
| Westfield Bank FSB | 3.50% | - | $25k | $175 | Dream Big Checking | |
| Coulee Bank | 3.33% | - | $25k | $167 | Rewards Checking | |
| HCSB Bank | 3.26% | - | $25k | $163 | HCSB Reward Checking | |
| BankTexas | 3.25% | - | $25k | $162 | MyCash Checking - Qualifying | |
| Ouachita Independent Bank | 3.15% | - | $25k | $158 | Reward Checking | |
| Consumers Credit Union | 3.09% | - | $25k | $154 | Reward Checking | |
| First National Community Bank (PA) | 3.04% | - | $25k | $152 | Maximum Earnings (ME) Account | |
| Patriot Bank | 3.01% | - | $35k | $150 | Revolutionary Checking | |
| Liberty Bank for Savings (IL) | 3.01% | - | $25k | $150 | eSmart Checking | |
| Atlantic Coast Bank | 3.01% | - | $25k | $150 | iKasasa Cash | |
| Southern Community Bank & Trust | 3.00% | - | $25k | $150 | ME Banking | |
| KANZA Bank | 3.00% | - | $25k | $150 | KANZARewards | |
| The Bank of Fayetteville | 2.75% | - | $50k | $138 | Smart Checking | |
| Connexus Credit Union | 2.55% | - | $25k | $127 | Xtraordinary Checking | |
| Addison Avenue Federal Credit Union | 2.54% | - | $25k | $127 | Dividend Rewards Checking | |
| Pacific Resource Credit Union | 2.53% | - | $25k | $126 | High Flying Checking | |
| Community Bank of Pleasant Hill | 2.51% | - | $25k | $125 | Rewards Checking | |
| Community Bank of Raymore | 2.51% | - | $25k | $125 | Rewards Checking | |
| Provident Credit Union | 2.51% | - | $25k | $125 | Super Reward Checking | |
| State Bank of Toledo | 2.51% | - | $25k | $125 | Hometown Reward Checking | |
| First New England Federal Credit Union | 2.50% | - | $15k | $125 | Rewards Checking (General) | |
| North Country Savings Bank | 2.50% | - | $50k | $125 | Advantage Checking | |
| West Texas National Bank | 2.01% | - | $25k | $100 | Ultimate Checking | |
| Amegy Bank | 1.99% | - | $25k | $99.50 | Smart Yield Checking | |
| Heritage Bank | 1.87% | - | $25k | $93.50 | eCentive Sccount | |
| City National Bank | 1.05% | - | - | $52.50 | FREE Reward Checking | |
| Liberty Savings Bank | 0.85% | - | $25k | $42.50 | High Interest Checking | |
| Charter Bank | 0.25% | - | $50k | $12.50 | Turbo Checking |
Average Reward Checking Rate Trend
