Best Checking Account Interest Rates

If you keep a lot of money in your checking account, moving your money to a high interest checking account may be a good move. Below is a list of nationally available highest yields checking accounts. All of these accounts are FDIC insured up to $250,000. Your principal is protected and you’re guarantee a positive nominal return on investment.

High Interest Checking Rates for 22306 Area

The most current highest yield checking account rates are listed below. To get more information, you can follow the link to the bank website, or use the or icons.
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Additional Interest-Bearing Checking Accounts

As of March 12, 2012 recommended banks with the highest yield checking accounts include:

Bank Interest Rate (APY) Minimum Deposit Details
Capital One 360 Checking 0.20% $1 Earn up to 0.80% APY with a balance over $50,000 and 0.85% APY if over $100,000, Free MasterCard Debit Card for all purchases, Free online bill pay, Free access to over 35,000 ATMs through the Allpoint network, Free postage.Get started now and earn a $50 bonus
E*Trade’s Max-Rate Checking Account 0.05% $5,000 No ATM fees, Free one-click transfers, Unlimited check writing, Online check and deposit image, Free online bill pay and advanced reporting.

Please review information associated with each offer before you sign up. Rates and conditions change constantly and I have reported what I believe to be the most accurate information at the time the article was updated.

About the Author

By , on Feb 10, 2012
Pinyo is the owner of Moolanomy Personal Finance. He is a licensed Realtor specializing in residential homes in the Northern Virginia area. Over the past 20 years, Pinyo has enjoyed a diverse career as an investor, entrepreneur, business executive, educator, and financial literacy author.

Best Bank Rates

Leave Your Comment (14 Comments)

  1. David says:

    Great list. Most people don’t take the time to maximize their savings and plan correctly for the future. Even though today’s rates are as low as they have ever been, cash is still an asset class the safest place to keep your hard earned money. Everyone should have enough cash or equivalent type of asset to save for a rainy day. Rates will go higher at some point and the returns will get better.

  2. Saralee says:

    This is a great list. Another possibility is to look at ethnic banks. For example, a lot of Korean banks offer special savings accounts that will reward regular depositors with higher interest. Right now, the interest level is about 2%+, which is really good in current times.

  3. Joe says:

    When I look at all of the FREE chequing options that are available to Americans, it makes me a little bit sad. Partly because I’m Canadian, so to get truly free chequing takes a bit of work (now there are a few options like ING THRiVE and PC Financial). But partly because, despite how easy it is to get free chequing, so many Americans still pay ridiculous amounts for access to their own money. I talk to people here in Canada and they say it’s too much effort to switch; I fear they’d be just as lazy even if it were simple.

  4. Wayne says:

    There is a bank in IL called the consumer credit union that has 4% APY. No residency requirements to sign up. Credit Unions are really starting to give the national banks a run for their money

  5. Daniel says:

    I’ve never heard of checkingfinder. I’ll have to check out the link. I just signed up with ING and really like the easy interface and ability to link to my current checking account. At 6% interest, that beats any cd or money market account.

  6. PeteBKay says:

    Westfield Bank in Ohio’s Dream Big Rewards checking is 3.5% APY up to $25,000 deposit. You have to make 12 purchases per month using the debit card, make either 1 direct deposit or 1 auto withdrawl per month. And you have to use electronic banking. But there’s no minimum deposit and no fees.

  7. Skipper says:

    North Carolina individuals can yield 4.01% on thier checking by opening a Reward Checking account with ECB. ECB is offering 4.01% on its Reward checking account on balances up to $25,000. Over $25,000, it yields 1.01%.

  8. Ken says:

    Reward checking definitely has some advantages if you don’t mind the debit card usage requirements. As Frank mentioned is a good resource, but it excludes many local banks and credit unions. Search for “reward checking” in Google for sites to help you find a local reward checking account.

  9. Stefanie says:

    These accounts are very similar to easyGROW Checking. I work for First Bank & Trust and they have been offering a high interest checking account since April. Check it out:

  10. Mike B. says:

    First Internet Bank (of Indiana) has a 1% rate with NO minimum deposit.

  11. Rosie says:

    Bank 1440 in Arizona offers 5.01% APY up to $25,000. Anything over that earns 2.01% when qualifications are met.

    Their website explains everything…

  12. Bob says:

    United FCU, they have branches in most of the states offers 6.01% on their high yield checking account.

  13. Frank says:

    Check out There are links to several banks offering rewards checking accounts with interest rates between 3% and 5% APR. There are a few conditions necessary to obtain the high rates; however, they are nothing you typically don’t already do.

  14. Erik says:

    This is a phenomenal list! Reward checking accounts have been performing quite well in comparison. At (search engine that identifies high interest checking accounts via your zip. We are seeing community banks and credit unions paying up to 6%.

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