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


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

Related Pages: Cattaraugus County Bank, Buffalo, checking account

  |     |   Comment #1
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.
3.25% Reward Checking Account at Cattaraugus County Bank in Western New York - Local Only
Cattaraugus County Bank is offering a reward checking account called Maximum Green Checking with the following rates and features if certain monthly requirements are met:
  • 3.25% APY on balances up to $25,000
  • 1.01% APY on portion of balance over $25,000
  • 0.10% base rate if monthly requirements are not met
  • Refunds ATM fees nationwide (up to $5 per transaction)
The monthly requirements include:
  • 10 check card purchases
  • 1 direct deposit or ACH debit
  • Receive e-statements
Additional features of the account regardless of the monthly requirements include:
  • $100 minimum initial deposit
  • No minimum balance requirement
  • No monthly service charge
  • Customer is allowed to open multiple...

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