4.01% Reward Checking Account at Girard National Bank in KS & CO - Local Only


Update 4/04/10: The top rate has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.

Girard National Bank is offering a rewards checking account with the following rates and features if certain monthly requirements are met:

  • 4.01% APY on balances up to $25,000
  • 1.01% APY on portion of balance over $25,000
  • 0.25% base rate if monthly requirements are not met
  • Refunds all ATM fees nationwide without limit

The monthly requirements include:

  • 10 MasterCard debit card purchases
  • 1 automatic payment or direct deposit
  • Access online banking
  • 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

There's an online application at the bank's micro-website. However, according to a bank representative, they still require a branch visit to complete the application process.

Branches are located in the Kansas cities of Girard, Yates Center, Bucklin, Offerle, Clay Center, Holton, Hiawatha and Wetmore, and in the Colorado cities of Lamar and Eads.

The bank's ratings for safety and soundness are strong: 4 stars (excellent) at BauerFinancial (based on 6/30/09 data) and 4 stars (sound) at Bankrate.com (based on 3/31/09 data). The bank has been a FDIC member since 1934 (FDIC Certificate # 4673).

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:
04/01/10: 4.01% APY up to $25K
09/20/09: 5.01% APY up to $25K; 1.01% over; 0.25% base

Related Pages: checking account, reward checking account

  |     |   Comment #1
local, yes.

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