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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

Florida Credit Union Offers $300 Checking Bonus
Deal Summary: $300 bonus when opening a new Interest-Bearing Checking or Value Checking account.

Availability: 48 counties in North, Central, and South Florida.

Florida Credit Union (FCU) is currently offering a $300 bonus (Promo Code 21CHK300) when opening a “free personal full-service checking account.” The fine print on the offer page lists the following requirements and conditions:

FCU’s Interest-Bearing Checking and Value Checking (non-interest bearing) both are eligible for the $300 bonus. The Value Checking has no monthly service fee, no minimum balance requirement, a $5 minimum opening deposit...

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Nokomis Savings Bank Adds Kasasa Brand Products
Deal Summary: Kasasa Cash Checking, 3.00% APY on qualifying balances up to $25k. Kasasa Saver, 1.00% APY on qualifying balances up to $100k.

Availability: Central Illinois (CSR stated accounts are available nationwide)

DA began tracking the Kasasa brand products offered by Nokomis Savings Bank (NSB) quite recently, although the Kasasa brand products have been part of the NSB product line for about a year. The Kasasa Cash’s initial 3.00% APY on qualifying balances up to $25k is still in effect. Qualifying balances greater than $25k earn...

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Liberty First Credit Union (NE) Rewards Checking Available Statewide
Deal Summary: Kasasa Cash, 2.00% APY on qualifying balances up to $40k. Kasasa Saver, 0.75% APY, on qualifying balances up to $100k.

Availability: Easy membership requirement for Nebraska residents.

When I wrote about Liberty First Credit Union’s (LFCU) Kasasa Cash account last summer, it offered 3.00% APY on qualifying balances up to $40k. The 3.00% APY was in effect for about 11 months before it dropped to 2.00% APY last March. While it’s disappointing to see such a large rate decrease, the $40k balance cap keeps...

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Liberty National Bank (OK) Offers Rewards Checking Statewide
Deal Summary: Kasasa Cash, 2.25% APY, on qualifying balances up to $35k. Kasasa Cash Back, 4.00% cash back on $250 in monthly debit card purchases.

Availability: Oklahoma

I first wrote about the Kasasa brand products offered by Liberty National Bank (LNB) in 2010. While the Kasasa Cash’s initial 4.11% APY has fallen to 2.25% APY, the qualifying balance cap has increased from $10k to $35k. Qualifying balances over $35k and non-qualifying balances both earn 0.10% APY.

The monthly qualifying requirements have remained...

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United Federal Credit Union Offer Rewards Checking In 7 States
Deal Summary: Ultra Checking, 3.00% APY on qualifying balances up to $15k.

Availability: Easy membership requirement for residents of Arkansas, Indiana, Michigan, Nevada, North Carolina, Ohio, and Oklahoma; employees of 900+ SEGs.

United Federal Credit Union (UFCU) has been offering its current rewards checking account (RCA), Ultra Checking, since 2017. The initial 3.00% APY on qualifying balances up to $15k is still in effect. Balances greater than $15k (qualifying or not) earn 0.10% APY, with non-qualifying balances up to $15k earning 0.05% APY.

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First Peoples Bank Offers Rewards Checking/Savings in AL and GA
Deal Summary: Kasasa Cash Checking, 2.50% APY on qualifying balances up to $10k. Kasasa Saver, 1.00% APY on qualifying balances up to $20k.

Availability: Alabama and Georgia

Georgia-based First Peoples Bank began offering the Kasasa brand product line in early 2020. The Kasasa Cash Checking’s initial 2.50% APY on qualifying balances up to $10k is still in effect. Qualifying balances greater than $10k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

The monthly qualification requirements are easily met and do not include a direct...

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Andrew Johnson Bank Offers Rewards Checking in GA, NC, TN, and VA
Deal Summary: Sky High Checking, 1.76% APY on qualifying balances up to $25k.

Availability: Online application for residents of Georgia, North Carolina, Tennessee, or Virginia.

I last wrote about Tennessee-based Andrew Johnson Bank’s (AJ Bank) rewards checking account, Sky High Checking, almost two years ago. While the current 1.76% APY on qualifying balances up to $25k is a far cry from the 3.05% APY offered in 2019, the 1.76% APY is nonetheless a competitive rate today. Qualifying balances greater than $25k earn 0.08% APY, with non-qualifying...

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Erie Federal Credit Union (PA) Offers Competitive Rewards Checking
Deal Summary: Dividend +Plus Checking, 2.00% APY on qualifying balances up to $25k.

Availability: Residents of Crawford and Erie Counties, Pennsylvania.

Erie Federal Credit Union (Erie FCU) has been offering its rewards checking account, Dividend +Plus Checking, for more than 12 years. While the $25k qualifying balance has been in effect since the Dividend +Plus Checking debut, the rate has fallen from the initial 5.11% APY to the current 2.00% APY in six rate decreases. Qualifying balances greater than $25k and non-qualifying balances both earn 0.10% APY.

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Four Points Federal Credit Union Has $200 Checking Bonus
Deal Summary: $200 Bonus for new members opening a new Interest Rewards Checking or Purchase Rewards Checking account.

Availability: Residents of Colorado, Iowa, Kansas, Missouri, Nebraska, South Dakota, and Wyoming.

Now through June 30, 2021, Nebraska-based Four Points Federal Credit Union (Four Points FCU) is offering a $200 bonus to new members who open any Four Points FCU checking account and fulfill a series of requirements. According to the fine print on Rates & Promotions page,

Four Points FCU currently has two checking accounts: the Interest Rewards Checking,...

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Four Points FCU's Unique Money Market And Checking Accounts
Deal Summary: Interest Rewards Checking, 1.51% APY on qualifying balances up to $25k. High Yield Money Market, 0.75% APY, $150k minimum.

Availability: Residents of Colorado, Iowa, Kansas, Missouri, Nebraska, South Dakota, and Wyoming.

Nebraska-based Four Points Federal Credit Union (Four Points FCU) has a High Yield Money Market account with a tiered-rate structure that offers competitive rates on large balances. For smaller balances, members can receive a competitive rate from the Interest Rewards Checking. As a reward checking account, the rate isn’t the best, but the debit card...

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