3.15% Reward Checking Account at Pony Express Bank in Missouri


Update 4/16/10: The top rate has increased to 4.01% APY but the balance cap has fallen to $15K.

Pony Express Bank is offering a rewards checking account which offers the following features if certain monthly requirements are met:

  • 4.01% APY on balances up to $15,000
  • 0.51% APY on balances over $15,000
  • 0.05% base rate if qualifications are not met
  • ATM fees nationwide refunded without limit

The monthly requirements include:

  • 10 Visa debit card purchases
  • one direct deposit or automatic payment
  • receive e-statements

Additional features of the account regardless of the monthly requirements include:

  • $100 minimum opening deposit
  • No minimum balance requirement
  • No monthly service fees
  • Multiple accounts can be opened, but requirements for each must be met to receive the top rate

It appears that a branch visit is required to open an account. Branches are located in the Missouri cities of Liberty and Braymer.

The bank has been FDIC insured since 1934 (FDIC Certificate # 4526).

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:

  • 04/16/10: 4.01% APY up to $15K; 0.51% over; 0.05% base
  • 11/02/09: 3.15% APY up to $25K
  • 08/18/09: 4.01% APY up to $25K
  • 04/08/09: 5.01% APY up to $25K; 1.01% over; 0.15% base
Related Pages: Pony Express Bank, Kansas City, checking account, reward checking account

  |     |   Comment #1
Interest rate dropped to 3.15

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