Best High Interest Checking Account Rates

By Pinyo, on February 2, 2012

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.

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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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Default Institution APY Minimum Deposit Avoid Fees Monthly Service Fee NSF Fee ATM Surcharge

Rate Search Results				Click here for column definitions
Institution	Survey Date	APY	Open $	Avoid Fees $	Monthly Svc Fees $	NSF Fees	ATM Surcharge	Online Access (Yes/No)
FNBO Direct	02/03/12	0.70	1.00	0	0.00	30.00	0	YES
ING DIRECT	02/03/12	0.20	1.00	0	0.00	0.00	0	YES
Charles Schwab Bank	02/03/12	0.15	1.00	0	0.00	25.00	0	YES
Bank of America	02/03/12	0.05	100.00	10000	25.00	35.00	3	YES
SunTrust Bank	02/03/12	0.04	100.00	5000	17.00	25.00	2	YES
BB&T	02/03/12	0.02	100.00	25000	25.00	35.00	3	YES
Citibank	02/03/12	0.01	100.00	15000	20.00	34.00	3	YES
Wells Fargo Bank	02/03/12	0.01	100.00	25000	30.00	35.00	2.5	YES
Wells Fargo Bank	01/30/12	0.01	100.00	25000	30.00	35.00	2.5	YES
Many lenders and institutions have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please email us. The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the product differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above click on the appropriate product group: Mortgages, CD, Checking/Savings. Bank and thrift deposits are insured by the Federal Deposit Insurance Corp. Credit union deposits are insured by the National Credit Union Administration. Bankrate.com rates banks, thrifts and credit unions through proprietary Safe & Sound star rating system. Rates are subject to change without notice and may vary from branch to branch.

Other Selected National and Online Checking Accounts

As of February 2, 2012 recommended banks with the highest yield checking accounts include:

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.

Pinyo is the owner of Moolanomy Personal Finance and an entrepreneur with over 20 years of business experience. He is interested in business management, investing and wealth management. He has written for many online publications, including American Express Currency and U.S. News Money. You can follow him on Facebook and Twitter.

Add Your Question or Comment (13 Comments)

1. Erik:

   March 23, 2009 at 7:50 pm

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

   July 14, 2009 at 8:22 pm

   My bank currently offers checking at 4.09% on balances upto $25,000. Anything over that is at 1.5%, and multiple accounts are available for the same bonus rate. Here’s the link (Hometown Checking Advantage) along with the conditions for the 4.09%

   https://www.bankwithfmb.com/#/home
3. Frank:

   July 30, 2009 at 4:32 pm

   Check out checkingfinder.com 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.
4. Bob:

   October 16, 2009 at 4:03 pm

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

   October 21, 2009 at 7:36 pm

   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…
6. Mike B.:

   November 13, 2009 at 12:38 pm

   First Internet Bank (of Indiana) has a 1% rate with NO minimum deposit.
   https://www.firstib.com/
7. RateNerd:

   January 3, 2010 at 9:02 am

   Hi Pinyo – I have found a bunch of banks willing to pay dearly for new customers – check out this post where CharterOne Bank is willing to pay up to $220 for new customers. http://ratenerd.com/best-check.....-deal-2100
8. Stefanie:

   January 4, 2010 at 5:39 pm

   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: http://www.easygrowchecking.com
9. Ken:

   January 31, 2010 at 1:03 am

   Reward checking definitely has some advantages if you don’t mind the debit card usage requirements. As Frank mentioned CheckingFinder.com 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.
10. Skipper:

    May 15, 2010 at 3:54 pm

    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%.
11. PeteBKay:

    September 27, 2010 at 8:11 pm

    Westfield Bank in Ohio’s Dream Big Rewards checking is 3.5% APY up to $25,000 deposit. http://www.dreambigrewards.com. 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.
12. Daniel:

    October 18, 2011 at 7:50 am

    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.
13. Wayne:

    January 21, 2012 at 9:57 pm

    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