4.05% Reward Checking Account at Cross Key Bank in Louisiana - Available Nationwide


Cross Key Bank is offering a high-yield reward checking account called Gold Key Rewards Checking. The account has the following rates and features if certain monthly requirements are met:
  • 4.05% APY on balances up to $25,000
  • 1.00% APY on portion of balance over $25,000
  • 0.10% base rate if requirements are not met
  • Refunds ATM fees nationwide up to $25 per cycle
The monthly requirements include:
  • 12 Visa check card purchases
  • 1 direct deposit or ACH auto debit
  • Receive e-statements and be enrolled in internet banking
Additional features of the account regardless of the monthly requirements include:
  • $100 minimum initial deposit
  • No minimum balance requirement
  • No monthly service charge
  • Limited to one account per primary account holder
In addition to the online application at the bank's reward checking page, there's an online application at CheckingFinder.com. This bank shows up for all US zip codes at CheckingFinder.com, and you can apply online at this CheckingFinder page. Note, banks often change the availability of these accounts. If the bank starts limiting the account to its market area, the start of the application will reject your zip code. Please leave a comment if this happens.

Branches are located in the Louisiana cities of West Monroe, Monroe, Rayville, Sterlington, St. Joseph, Tallulah and Waterproof.

Cross Key Bank's ratings for safety and soundness are strong: 5 stars (superior) at BauerFinancial (based on 9/30/09 data) and 4 stars (sound) at Bankrate.com (based on 6/30/09 data). The bank has been a FDIC member since 1934 (FDIC Certificate # 9322).

Other Reward Checking Accounts

Nationwide reward checking accounts with rates over 4% are becoming rare. Bank of the Sierra's nationwide reward checking account had been 4.51% APY, but this fell to 4.09% APY last week. If you want a reward checking with a rate of 5% or higher, you'll have to see if one is available near where you live.

To find reward checking accounts in other areas of the nation, please refer to the reward checking section of DepositAccounts.com. To learn more about reward checking, please refer to this reward checking overview.
Related Pages: checking account, reward checking account

  |     |   Comment #1
no sense doing rate chasing. I am sticking with BotS, unless the rate delta is 0.5% or higher.

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