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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

First Security Kasasa Cash (2.51% APY) Available Nationwide
Deal Summary: Kasasa Cash, 2.51% APY up to $50k; Kasasa Saver, 1.31% APY up to $50k.

Availability: Nationwide through online application.

First Security Bank & Trust’s (First Security) Kasasa Cash account earns 2.51% APY on qualifying balances up to $50k. Qualifying balances greater than $50k earn 0.20% APY, with non-qualifying balances earning 0.05% APY.

The Kasasa Cash account was unveiled more than four years ago, with a decidedly low 1.05% APY. The rate was increased to 2.51% APY in August 2018. The Kasasa Cash account is First Security’s...

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Premier Credit Union (IA) Ups 20-Month Special CD, 2.75% APY
Deal Summary: 20-month Special Certificate, 2.75% APY, $10k minimum. 12-month Jumbo Certificate, 2.75% APY, $100k minimum.

Availability: Residents of 22 central Iowa counties.

More than two years ago, I wrote about the new 20-month Certificate Special offered by Premier Credit Union (Premier CU), which had an initial APY of 2.00%. While other CD rates have been tumbling, Premier CU started the week by raising the rate on the 20-month Special to 2.75% APY. The minimum opening deposit is still $10k, with no stated balance cap.

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BOM Bank (LA) Premium Checking Earns 4.09% APY Up To $15k
Deal Summary: Premium Checking, 4.09% APY up to $15k, $100 minimum opening deposit.

Availability: Market area includes seven northwest Louisiana parishes.

BOM Bank’s Premium Checking account has been part of the Bank’s product line for more than two years, and its initial 4.09% APY (on qualifying balances up to $15k) is still in effect. Qualifying balances greater than $15k earn 0.20% APY, while non-qualifying balances earn 0.15% APY.

Qualifying Requirements

  • At least 20 monthly debit card transactions.
  • At least one ACH payment or Direct Deposit.
  • Enrolled in and agree to receive...
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Buckeye State Bank (OH) Kasasa Cash Earns 3.00% Up To $15k
Deal Summary: Kasasa Cash, 3.00% APY up to $15k; Kasasa Saver, 2.35% APY up to $35k.

Availability: Ohio

The Kasasa brand is part of Buckeye State Bank’s (BSB) product line, including a Free Kasasa Cash Checking account that earns 3.00% APY on qualifying balances up to $15k. Qualifying balances greater than $15k earn 0.25% APY, with non-qualifying balances earning 0.02% APY.

Qualification Requirements

  • At least 12 monthly debit card purchases.
  • Enrolled in online banking and at least one login per month.

The Kasasa Cash account has no minimum balance requirement...

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Severn Bank (MD) Adds Kasasa Cash, 3.00% APY Up To $15k
Deal Summary: Kasasa Cash, 3.00% APY up to $15k; Kasasa Saver, 1.00% APY up to $20k.

Availability: Maryland

Maryland-based Severn Bank has added a new Free Kasasa Cash Checking account, which earns 3.00% APY on qualifying balances up to $15k. Qualifying balances greater than $15k earn 0.20% APY, while non-qualifying balances earning 0.05% APY.

Qualification Requirements

  • At least 12 monthly debit card purchases.
  • One ACH, or Direct Deposit, or Bill Pay transaction per month.
  • Enrollment in eStatements.

The Kasasa Cash account has no minimum balance requirement or monthly service fee, but...

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TBA Credit Union (MI) Adds Cash Reward Checking, 5.00% APY
Deal Summary: Cash Reward Checking (rewards checking), 5.00% APY on qualifying balances up to $10k

Availability: Residents of Michigan

At the beginning of July, TBA Credit Union (TBACU) introduced a rewards checking account (RCA). The new Cash Reward Checking earns 5.00% APY on qualifying balances up to $10k. Interest is not paid on qualifying balances above $10k or on non-qualifying balances.

Qualifying Requirements

  • At least 25 debit card transactions.
  • At least four online or mobile banking logins.
  • Deposit(s) totaling at least $1k through direct deposit or remote capture deposit...
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Lakeside Bank (IL) Ups Kasasa Cash To 2.50% APY Up To $25k
Deal Summary: Kasasa Cash, 2.50% APY up to $25k; Kasasa Saver, 1.25% APY up to $100k.

Availability: Market area is Chicago and the surrounding suburbs.

About 2½ years ago, Lakeside Bank began offering a Kasasa Cash account, earning 2.25% APY up to $25k at the time. Earlier this year, this rewards checking account (RCA) experienced a couple of favorable changes, with a new 2.50% APY on qualifying balances up to $25k. Qualifying balances between $25k and $125k now earn 0.50% APY, while non-qualifying balances earning 0.02% APY....

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Encompass Credit Union (IN) Offers 24-Month CD, 3.04% APY
Deal Summary: 24-month CD, 3.04% APY, $500 minimum deposit

Availability: Residents of Clinton, Howard, and Tipton Counties in Indiana.

Encompass Credit Union (Encompass CU) is offering 3.04% APY on its 24-, 36-, 48-, and 60-month CDs. The minimum opening deposit is $500, with no maximum balance cap. While these rates have been in place for some time, they’ve become more competitive in the past few months, as the rate climate has been cooling down.

According to CSR, the Early Withdrawal Penalty (EWP) is based on the amount...

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Envision Bank Now Offers Product Line Nationwide
Deal Summary: Preferred Plus Money Market, 2.35% APY, $50k min; Savvy Savings, 2.27% APY, $10 min; Envision Max Checking (rewards checking account), 2.55% APY, up to $25k.

Availability: Nationwide, with the exception of New York State.

Massachusetts-based Envision Bank (formerly Randolph Savings Bank) is now offering a large portion of its product line in 49 states through its online application (New York State is excluded). Envision Bank’s Preferred Plus Money Market, Savvy Savings, and Envision Max Checking accounts can all be opened online and funded by ACH transfer.

Preferred...

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Evansville Teachers Fed Credit Union Ups Vertical Checking, 3.30% APY
Deal Summary: Vertical Checking (rewards checking), 3.30% APY on qualifying balances up to $20k.

Availability: Easy membership requirement

It’s been more than two years since I last wrote about Evansville Teachers Federal Credit Union’s (ETFCU) rewards checking account, which, at the time, earned 3.00% APY on qualifying balances up to $15k. Nothing about the Vertical Dividend Checking had changed since it was introduced in late 2014 … until now.

  • New name – Vertical Checking
  • New rate – 3.30% APY
  • New balance cap – $20k

No dividends are paid on...

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