Equity Bank has a reward checking account called the Equity WOW (WithOut Worries) Gold Checking with 6.01% APY on balances of under $25K. Balances over $25K earn 1.25% APY. There are no minimum balance requirements. It requires a minimum of 10 electronic transactions per month to earn the 6.01% APY. Electronic transactions can include ACH debit, ACH credit, point-of-sale, ATM, debit card or internet banking bill pay. If this is not met, the rate falls to 1.25% APY on all balances. Only E-statements are provided. Full details and fees are available at this page.
This is similar to the several rewards checking accounts that I've mentioned before except that it allows more than just point-of-sale debit card transactions in its requirements. Also, there's no required direct deposit.
You can apply online, however, you must be a resident of Kansas or Missouri, or an existing Equity Bank customer to apply for a new account. All new accounts are verified through Chexsystems. Equity Bank is FDIC insured (Certificate # 25858).
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