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About Ken Tumin

Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.


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Bank Deals Blog: Checking & Reward Checking Deals

BOM Bank's Premium Checking Available In Louisiana And Texas
Deal Summary: Premium Checking, 4.09% APY on qualifying balances up to $15k.

Availability: Louisiana and Texas

BOM Bank began offering its Premium Checking account more than three years with an initial 4.09% APY on qualifying balances up to $15k, and that rate is still in effect. Qualifying balances greater than $15k earn 0.20% APY, with non-qualifying balances earning 0.15% APY.

The monthly qualifying requirements have also remained the same and include,

  • At least 20 monthly debit card transactions.
  • At least one ACH payment or Direct Deposit.
  • Enrolled in and agree to...
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Pelican State Credit Union Kasasa Cash Available In 4 States
Deal Summary: Kasasa Cash, 4.25% APY on qualifying balances up to $7.5k. Kasasa Saver, 0.75% APY on qualifying balances up to $50k.

Availability: Easy membership requirement for residents of Louisiana, Arkansas, Mississippi, and Texas; residents of three Louisiana parishes; employees/retirees of several SEGs.

Louisiana-based Pelican State Credit Union (Pelican) has been offering Kasasa brand products for more than five years. Although the Kasasa Cash has always had a competitive rate, the $7.5k balance cap limited its overall appeal. The current 4.25% APY is one of the best rates...

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Texoma CCU Cashtastic Checking Competitive Rate Still In Effect
Deal Summary: Cashtastic Checking, 3.51% APY on qualifying balances up to $10k.

Availability: Residents of 11 Rolling Plains Texas counties.

More than four years ago, I wrote about Texoma Community Credit Union’s (Texoma CCU) Ultimate Rewards Checking, which earned 3.51% APY on qualifying balances up to $10k. While that rate and balance cap are still in effect, the name of Texoma CCU’s reward checking account is now Cashtastic Checking. Qualifying balances over $10k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

The Cashtastic Checking monthly...

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Paramount Bank High-Interest Checking (non-RCA) Is A Rate Leader
Deal Summary: High-Interest Checking, 0.85% APY on all balances

Availability: Nationwide

In another relevant Forum post yesterday, DA reader, ichaelm, pointed out that the 0.85% APY offered on Paramount Bank’s High-Interest Checking “beats most savings accounts [rates].” The nationally available High-Interest Checking account is NOT a rewards checking account. I’m just going to quote ichaelm for some of the details, because I really enjoyed his description:

While 0.85% APY may not seem like a competitive rate, it’s currently the highest APY available for a nationally available standard checking...

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KS StateBank Changes Availability Of Checking PLUS
Deal Summary: Checking PLUS, 1.50% APY on qualifying balances up to $25k.

Availability: Online market area includes Arizona, Kansas, and Missouri.

The last time I wrote about KS StateBank’s reward checking account (RCA), Checking PLUS, was in early 2016. At that time, KS StateBank had just started offering Checking PLUS on a nationwide basis. The Checking PLUS online market area was recently changed to Arizona, Kansas, and Missouri.

My first Checking PLUS blog post was way back in 2008 and DA...

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Frontier Bank's Big Deal Cash Checking Available In Five States
Deal Summary: Big Deal Cash, 2.25% APY on qualifying balances up to $25k. Big Deal Saver, 0.75% APY on qualifying balances up to $50k.

Availability: Online market area includes Iowa, Minnesota, Nebraska, North Dakota, and South Dakota.

Frontier Bank’s reward checking account (RCA), Big Deal Cash, was added to the product line in July 2019, with an initial 3.25% APY on qualifying balances up to $25k. The rate dropped to 2.25% APY in March and is still in effect. Qualifying balances of $25k+ earn 0.15%...

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Coosa Pines Federal Credit Union Has Competitive Rewards Checking
Deal Summary: Flexible Rewards Checking, 3.10% APY on qualifying balances up to $20k.

Availability: Residents of six central Alabama counties.

Coosa Pines Federal Credit Union (Coosa Pines) unveiled its Flexible Rewards Checking account approximately one year ago. The initial 3.10% APY on qualifying balances up to $20k is still in effect. Qualifying balances above $20k earn 0.10% APY, with non-qualifying balances not earning any interest.

The qualification requirements include,

  • At least 15 debit card debit purchases.
  • At least one direct deposit.
  • At least two ACH payments.
  • Be enrolled in and receive eStatements.
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Industrial Bank's Kasasa Cash Checking Rate Unchanged Since 2017
Deal Summary: Kasasa Cash, 2.50% APY up to $15k. Kasasa Saver, 0.75% APY up to $25k.

Availability: Nationwide

In January 2017, Industrial Bank added the Kasasa brand to its product line. The Kasasa Cash’s initial 2.50% APY on qualifying balances up to $15k is still in effect. Qualifying balances over $15k earn 0.25% APY, with non-qualify balances earning 0.01% APY.

The monthly qualification requirements are fairly standard, with no direct deposit required.

  • At least 12 debit card purchases
  • Be enrolled and log into online banking
  • Be enrolled in and...
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Farmers State Bank Loyalty Checking Available In 23 Iowa Counties
Deal Summary: Loyalty Checking, 3.05% APY on qualifying balances up to $15k.

Availability: Market area includes 23 Iowa counties.

Farmers State Bank’s (FSB) reward checking account, Loyalty Checking, is currently earning 3.05% APY on qualifying balances up to $15k. Qualifying balances above $15k earn 0.15% APY, with non-qualifying balances earning 0.01% APY.

The Loyalty Checking has been part of FSB’s product line for about 11 years. The initial 5.01% APY on qualifying balances up to $25k lasted almost one year, dropping to 3.25% APY in October...

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Farmers State Bank (NE) Offers Kasasa Cash Statewide
Deal Summary: Kasasa Cash, 2.50% APY on qualifying balances up to $25k. Kasasa Saver, 1.00% APY on qualifying balances up to $100k.

Availability: Online market area includes Nebraska.

Farmers State Bank (FSB) began offering the Kasasa brand product line approximately two years ago. The Kasasa Cash currently earns 2.50% APY on qualifying balances up to $25k; qualifying balances above $25k earn 0.20% APY, with non-qualifying balances earning 0.05% APY.

The monthly qualifying requirements to earned the stated APY are fairly standard.

  • At least...
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