3.00% Reward Checking Account at Tri Counties Bank in California


Update 1/27/09: The top rate has fallen to 3.00% APY. Refer to the bottom of the post for the rate history.

Tri Counties Bank is offering a reward checking account called Perfect Choice Checking. It pays 3.00% APY on balances up to $25,000 (1.00% for above) and refunds ATM fees nationwide up to $20 per cycle if the following monthly requirements are met:
  • 12 check card purchases
  • one direct deposit or ACH debit or electronic bill pay
  • receive electronic statements
If these are not met, the rate falls to 0.10%. The minimum initial deposit is $100. There are no monthly maintenance fees and no minimum balance requirements. An online application is available at CheckingFinder.

The 3.50% yield is low for reward checking accounts, but since there are not too many California banks and credit unions offering these accounts, this might be useful for those in California who would prefer to bank locally.

Branches are located in 23 California counties. Some of the cities with branches include Chico, Fresno, Bakersfield, Roseville, Sacramento, Redding, Modesto and Yuba City. The bank has been FDIC insured since 1975 (FDIC Certificate # 21943).

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:
05/01/09: 3.00% APY up to $25K; 1.00% over $25K
01/27/09: 3.00% APY up to $25K
09/24/08: 3.50% APY up to $25K; 1.50% over $25K; 0.10% if requirements not met

Edit 3/10/09: Added electronic bill pay as an alternative to direct deposit
Related Pages: checking account, Tri Counties Bank, Bakersfield, Eureka, San Francisco Bay, Medford, Sacramento, Fresno-Visalia, Chico-Redding, reward checking account

  |     |   Comment #1
Top yield has fallen to 3.00% APY. Other rates remain same.
  |     |   Comment #2
Add one electronic billpay as an option (requirement).

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