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

MemoryBank EarnMore Account (Standard Checking) Earns 1.60% APY
Deal Summary: EarnMore Account (standard checking), 1.60% APY on balances up to $250k.

Availability: Nationwide (internet bank)

In late 2016, Republic Bank unveiled its new internet division, MemoryBank, which offered a single product, the EarnMore Account, a high-yield rewards checking account. The EarnMore Account offered a promotional first-year 1.50% APY on qualifying balances up to $250k. The promotional rate became the ongoing rate in November 2017 and in February, the rate was raised to 1.60% APY. While not an outstanding rate, the large $250k balance cap...

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Bank of Ruston (LA) Adds New Priority Checking, 4.00% Up To $15k
Deal Summary: Priority Checking, 4.00% APY on qualifying balances up to $15k. Priority Savings, 2.00% APY on qualifying balances up to $15k.

Availability: Priority Checking and Priority Savings accounts are available to all Louisiana residents.

For the past four years, Bank of Ruston (BoR) offered the Kasasa brand of checking and savings accounts. This week, BoR replaced its Kasasa Cash Checking with the new Priority Checking, which earns 4.00% APY on qualifying balances up to $15k. Qualifying balances of $15k+ earn 0.75% APY, with...

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Market USA FCU Offers 10-Month CD Special and Reward Checking

UPDATE 5/23/2018: 10-month Tax Time Certificate Special is now available through May 31, 2018.

UPDATE 5/2/2018: 10-month Tax Time Certificate Special is now available through May 10, 2018.

Deal Summary: 10-month Tax Time Certificate Special, 2.50% APY, $500 min/$10k max deposit; VIP Checking Platinum Tier, 3.01% APY on qualifying balances up to $15k.

Availability: Easy membership requirement

Now through April 30, 2018, Market USA Federal Credit Union (Market USA) is featuring a 10-month Tax Time Certificate Special, earning a 2.50% Preferred APY that includes a 0.10% premium for...

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MainStreet Bank Has Nationally Available 3-Year CD
Deal Summary: 2-Year CD (2.50% APY), 3-Year CD (2.70% APY), 4-Year CD (2.75% APY), $500 minimum deposit

Availability: Nationwide

As DA reader, ChasR, stated in a Forum post, MainStreet Bank is again offering competitive CD rates. Following substantial rate increases (95-105 bps) at the end of last week, the 2-Year CD (2.50% APY), 3-Year CD (2.70% APY), and 4-Year CD (2.75% APY) now rank near the top of their respective term categories. The minimum opening deposit is only $500, with no stated balance cap.

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Heritage Bank's Nationally Available eCentive Account Rate Soars
Deal Summary: eCentive Account (rewards checking account), 3.33% APY, up to $25k

Availability: Nationwide

Heritage Bank has more than doubled the rate on its eCentive Account to 3.33% APY on qualifying balances up to $25k. Qualifying balances over $25k earn 0.15% APY, with non-qualifying balances earning 0.05% APY.

DA has been tracking the eCentive Account since November 2009, when its APY was 2.14%. The APY began a slow decline in August 2010, settling at 1.26% in April 2013 and remaining there for almost five years....

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NavyArmy Community Credit Union (TX) Adds 30-month CD
Deal Summary: 30-month CD, 2.75% APY, $1k minimum deposit

Availability: Residents of eight South Texas counties

It’s been more than two years since my last blog post on NavyArmy Community Credit Union (NavyArmy), simply because there haven’t been any good deals available. The addition of a 30-month CD (2.75% APY) to the product line last week is definitely worth writing about. This new 30-month CD can be opened with a $1k minimum deposit, and there is no stated balance cap.

As stated in NavyArmy’s Member Account Agreement,...

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Liberty First CU (NE) Introduces 37-Month CD Special
Deal Summary: 37-month CD Special, 2.85% APY, $25k minimum deposit

Availability: Residents of Lancaster and Seward Counties, Nebraska; employees/members of 20 SEGs.

Liberty First Credit Union (Liberty First CU) has added a 37-month CD Special (2.85% APY) to its product line. The minimum deposit is $25k, with no stated balance cap.

The CD Special is also offered as an IRA Special (Traditional, Roth, CESA) earning the same APY, with the same funding requirements.

According to CSR, the Early Withdrawal Penalty is 365 days of interest...

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Hanscom FCU Adds Nationwide Kasasa Cash
Deal Summary: Kasasa Cash, 2.50% APY on qualifying balances up to $15k.

Availability: Easy Membership Requirement; Active and retired military; Federal employees in Massachusetts; 250+ SEGs.

Hanscom Federal Credit Union has just added Kasasa brand to its product line. The Kasasa Cash earns 2.50% APY on qualifying balances up to $15k. Qualifying balances of $15k+ earn 0.30% APY, with non-qualifying balances earning 0.01% APY.

Kasasa Cash Qualification Requirements

  • At least 12 debit card purchases.
  • Have at least 1 direct deposit (ACH) transaction post and settle.
  • Be enrolled in and...
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Northwest FCU Adds Kasasa Cash and Kasasa Saver
Deal Summary: Kasasa Cash, 2.00% APY on qualifying balances up to $15k

Availability: Easy Membership Requirement

Northwest Federal Credit Union’s (NWFCU) recently added a Kasasa Cash account. For a reward checking account, the top rate and balance cap are a little disappointing. Nevertheless, it’s always nice to see the addition of a nationally-available reward checking account. The new Kasasa Cash account earns 2.00% APY on qualifying balances up to $15k. Qualifying balances over $15k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

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IC FCU (MA) Adds Special 1-Year CD With Checking
Deal Summary: Special 1-Year CD, 2.59% APY, $500 minimum deposit, new money, Promo Code 1804 must be used. Intelligent Checking™ required to obtain the 2.59% APY.

Availability: Residents of Franklin, Hampden, Hampshire, Middlesex, Norfolk, and Worcester Counties, Massachusetts.

IC Federal Credit Union (IC FCU) is featuring a Special 1-Year CD (2.59% APY) that is available when opened in conjunction with an Intelligent Checking™, which is a rewards checking account. The CD can be opened with a $500 minimum deposit of new money, and there is no stated balance...

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