Teutopolis State Bank (Illinois) 3.51%RCA $15K Cap Local Only

The bank offers a Kasasa Cash account paying 3.51% on balances up to $15K.  Following are the requirements:

• Have at least 12 debit card purchases post and clear
• Have at least one ACH debit post to and clear your account
• Receive monthly e-statements
• Access Kasasa 360 Money Management Tool at least once during the monthly qualification cycle

The online application initially asks that you provide your zip code, then after you review all the Kasasa terms and conditions it again asks you to provide your residence zip code, at which time it verifies whether you are in their market area.  If you are not in their market area, you cannot proceed.