3.75% Reward Checking Account at First United Bank and Trust Co. in Kentucky - Local Only

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Update 10/24/09: The top rate has fallen to 3.75% APY.

First United Bank and Trust Co is offering a reward checking account called First Rate Checking. It has the following rates and features if certain monthly requirements are met:
  • 3.75% APY on balances up to $25,000
  • 0.76% APY on portion of balance over $25,000
  • 0.15% base rate if monthly requirements are not met
  • Refunds ATM fees nationwide without limit
The monthly requirements include:
  • 10 MasterCard check card purchases
  • 1 automatic payment or direct deposit
  • Receive e-statements
Additional features of the account regardless of the monthly requirements include:
  • $50 minimum initial deposit
  • No minimum balance requirement
  • No monthly service charge
There's an online application at the bank's microwebsite, but it appears a branch visit is required to complete the application process. Branches are located in Madisonville and Earlington, Kentucky.

The bank has been a FDIC member since 1996 (FDIC Certificate # 34150).

Other Reward Checking Accounts

To find reward checking accounts in other areas of the nation or to learn more about these accounts, please refer to my High Yield Checking website.

Rate History:
10/20/09: 3.75% APY up to $25K
07/07/09: 4.50% APY up to $25K; 0.76% over; 0.15% base
Related Pages: First United Bank and Trust Company (KY), Paducah, Evansville, checking account, reward checking account

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