Compare rates on reward checking accounts from banks and credit unions. On average, reward checking accounts offer significantly higher rates than traditional checking accounts. Most require you actively use the account each month, which banks usually define as ten or more debit card transactions, in order to earn the higher rate. For more details refer to this reward checking article. You can use the details icon on each account to view specific account requirements.
| Bank or Credit Union | State(s) | Rate | Maximum Balance | Credit Inquiry | Review |
|---|---|---|---|---|---|
| 1st Bank Yuma | AZ | 3.00% | $25,000 | ? | Review |
| 5 Star Bank | Nationwide | 2.00% | $25,000 | ? | Review |
| Altoona First Savings Bank | PA | 2.75% | $10,000 | ? | Review |
| Altra Federal Credit Union | AR, CO, KY, MN, NJ, TN, TX, WI | 2.25% | $15,000 | ? | Review |
| American National Bank (NE) | IA, NE, MO, KS | 2.05% | $10,000 | ? | Review |
| American Trust & Savings Bank | IA | 3.01% | $15,000 | ? | Review |
| American Airlines Credit Union | TX | 2.27% | $5,000 | ? | Review |
| American Pride Bank | GA | 3.00% | $10,000 | ? | Review |
| American Bank & Trust | SD | 2.51% | $10,000 | ? | Review |
| Associated Credit Union of Texas | TX | 3.00% | $20,000 | ? | Review |
| Bank of Little Rock | AR | 2.25% | $10,000 | ? | Review |
| Bank of Holland | NY | 2.02% | $15,000 | ? | Review |
| Bank of Nebraska | NE | 2.07% | $15,000 | ? | Review |
| BankWest (SD) | SD | 2.02% | $25,000 | ? | Review |
| Badger Bank | WI | 2.02% | $15,000 | ? | Review |
| Bank of Ruston | LA | 3.00% | $15,000 | ? | Review |
| Bay State Savings Bank | MA | 2.01% | $20,000 | ? | Review |
| Bellco Credit Union | CO (Nationwide with $10 donation) | 2.25% | $25,000 | ? | Review |
| Blue Federal Credit Union | CO, WY | 4.00% | $15,000 | Soft Pull | Review |
| Blue Federal Credit Union | CO, WY | 4.99% | $1,000 | Soft Pull | Review |
| Blue Ridge Bank and Trust Co. | MO, KS | 2.55% | $25,000 | ? | Review |
| Bridgeview Bank | IL | 5.00% | $3,000 | ? | Review |
| BTH Bank | TX | 2.25% | $7,000 | ? | Review |
| Cattaraugus County Bank | NY | 2.00% | $10,000 | ? | Review |
| Capital Educators Federal Credit Union | ID | 2.50% | $10,000 | ? | Review |
| Cedar Rapids Bank & Trust | IA | 2.22% | $15,000 | ? | Review |
| Centera Bank | KS | 2.50% | $25,000 | ? | Review |
| Center National Bank | MN | 2.02% | $10,000 | ? | Review |
| Chemcel Federal Credit Union | TX | 3.00% | $20,000 | ? | Review |
| Citizens First Bank, Inc. | KY | 2.27% | $25,000 | ? | Review |
| Citizens Savings Bank (PA) | PA | 2.25% | $20,000 | ? | Review |
| Citizens State Bank and Trust Co | KS | 2.50% | $10,000 | ? | Review |
| Citizens Bank | TN | 2.50% | $10,000 | ? | Review |
| Classic Bank | TX | 2.25% | $15,000.99 | ? | Review |
| Clifton Savings Bank | NJ | 1.00% | $100,000 | ? | Review |
| CNB Bank, Inc. | WV, MD | 2.25% | $10,000 | ? | Review |
| Community Financial Services Bank | IL, IN, TN, KY, & MO | 2.25% | $20,000 | ? | Review |
| Community Financial Services Bank | KY | 3.05% | $20,000 | ? | Review |
| Community Bank | TN | 2.08% | $20,000 | ? | Review |
| Community First Bank (PA) | PA | 3.00% | $10,000 | ? | Review |
| Consumers Credit Union | Nationwide | 4.59% | $20,000 | Hard Pull | Review |
| Concordia Bank | MO | 2.02% | $15,000 | ? | Review |
| Coulee Bank | MN, WI | 2.65% | $15,000 | ? | Review |
| Country Bank | Nationwide | 2.00% | $20,000 | ? | Review |
| Crossroads Bank | IL | 2.05% | $30,000 | ? | Review |
| Destinations Credit Union | MD | 3.01% | $10,000 | Soft Pull | Review |
| Dieterich Bank | IL | 2.11% | $25,000 | ? | Review |
| Eclipse Bank, Inc. | KY | 2.25% | $10,000 | ? | Review |
| Elements Financial | IN | 2.00% | $20,000 | ? | Review |
| ELGA Credit Union | MI | 2.02% | $15,000 | ? | Review |
| Emprise Bank | KS | 2.02% | $10,000 | ? | Review |
| Evergreen Bank Group | IL | 2.05% | $10,000 | ? | Review |
| Evansville Teachers Federal Credit Union | IN, KY | 3.00% | $15,000 | Soft Pull | Review |
| EVB | VA | 2.25% | $15,000 | ? | Review |
| Farmers and Merchants Bank | NE | 2.02% | $25,000 | ? | Review |
| Farmers & Merchants State Bank | IN, OH | 2.02% | $15,000 | ? | Review |
| Farmers Bank | AR | 2.25% | $10,000 | ? | Review |
| Farmers-Merchants Bank & Trust Co. | LA | 3.00% | $10,000 | ? | Review |
| Farmers State Bank | IA | 2.02% | $20,000 | ? | Review |
| Farmers Savings Bank | IA | 2.02% | $20,000 | ? | Review |
| First Central Credit Union | TX | 2.50% | $10,000 | ? | Review |
| First Federal Bank | MO | 2.50% | $25,000 | ? | Review |
| First Financial Credit Union | Nationwide | 5.00% | $2,500 | ? | Review |
| First Security Bank | IN, KY | 2.50% | $15,000 | ? | Review |
| First State Bank (Mendota) | IL | 2.50% | $25,000 | ? | Review |
| First State Bank of Forrest | IL | 2.50% | $25,000 | ? | Review |
| First Community National Bank | MO | 4.01% | $10,000 | ? | Review |
| ELGA Credit Union | MI | 2.02% | $15,000 | ? | Review |
| Flanagan State Bank | IL | 2.25% | $10,000 | ? | Review |
| F&M Bank (OK) | OK | 2.75% | $10,000 | ? | Review |
| Frontier Bank | IA, SD | 3.05% | $20,000 | ? | Review |
| First National Bank of Carmi | IL, IN | 2.22% | $10,000 | ? | Review |
| First National Bank | WI | 3.05% | $15,000 | ? | Review |
| First State Bank of Middlebury | IN | 2.53% | $10,000 | ? | Review |
| Georgia Banking Company | Nationwide | 2.15% | $25,000 | ? | Review |
| Great Lakes Credit Union | IL | 3.00% | $10,000 | Hard Pull | Review |
| Gibsland Bank & Trust Company | LA | 4.11% | $15,000 | ? | Review |
| Great Plains National Bank | OK | 2.51% | $10,000 | ? | Review |
| Green Belt Bank & Trust | IA | 2.53% | $25,000 | ? | Review |
| Home Federal Bank (LA) | LA | 3.00% | $15,000 | ? | Review |
| Heartland Bank | AR | 3.00% | $15,000 | ? | Review |
| Gulf Coast Bank & Trust | LA | 1.51% | $20,000 | ? | Review |
| Heritage Community Credit Union | CA | 2.25% | $25,000 | ? | Review |
| Heritage South Credit Union | AL | 3.00% | $15,000 | ? | Review |
| Hope Credit Union | AR, LA, MS, TN | 3.01% | $10,000 | ? | Review |
| Indiana First Bank | PA | 2.50% | $25,000 | ? | Review |
| Incommons Bank | TX | 2.00% | $10,000 | ? | Review |
| Industrial Bank | Nationwide | 2.50% | $15,000 | ? | Review |
| Integrity Bank & Trust | CO | 2.02% | $10,000 | ? | Review |
| Iowa State Bank | IA | 3.25% | $25,000 | Hard Pull | Review |
| JD Bank | LA | 3.25% | $10,000 | ? | Review |
| La Capitol Federal Credit Union | LA | 4.25% | $5,000 | ? | Review |
| Lake Michigan Credit Union | MI | 3.00% | $15,000 | Hard Pull | Review |
| Lee Bank | MA | 2.50% | $15,000 | ? | Review |
| Legacy Bank & Trust | MO | 4.00% | $10,000 | Soft Pull | Review |
| Maple City Savings Bank | NY | 2.50% | $10,000 | ? | Review |
| Marion State Bank | IA | 2.50% | $20,000 | ? | Review |
| MainStreet Bank | VA | 2.00% | $15,000 | ? | Review |
| Main Street Bank | Nationwide | 2.25% | $25,000 | ? | Review |
| MidSouth Community Federal Credit Union | GA | 5.01% | $10,000 | ? | Review |
| Monticello Banking Company | KY | 2.11% | $15,000 | ? | Review |
| Mount Vernon Bank and Trust Company | IA | 2.50% | $25,000 | ? | Review |
| Mutual Bank | MA | 3.00% | $10,000 | ? | Review |
| Nicolet National Bank | MI, WI | 3.00% | $15,000 | ? | Review |
| Neighborhood Credit Union | TX | 2.50% | $50,000 | ? | Review |
| Newton Federal Bank | GA | 2.25% | $25,000 | ? | Review |
| New Buffalo Savings Bank | MI | 2.27% | $35,000 | ? | Review |
| Northeast Credit Union | NH, ME | 4.00% | $15,000 | ? | Review |
| Northpointe Bank | Nationwide | 5.00% | $10,000 | Soft Pull | Review |
| Old Missouri Bank | MO, AR, OK, KS | 3.01% | $25,000 | Soft Pull | Review |
| Ouachita Independent Bank | LA | 3.01% | $15,000 | ? | Review |
| Oxford University Bank | MS | 2.50% | $10,000 | ? | Review |
| Okey Vernon First National Bank | IA | 2.25% | $15,000 | ? | Review |
| One American Bank | Nationwide | 3.50% | $10,000 | ? | Review |
| Partner Colorado Credit Union | CO | 3.00% | $10,000 | Hard Pull | Review |
| Patriot Federal Credit Union | PA, MD | 2.00% | $20,000 | ? | Review |
| Peoples Bank | LA | 3.00% | $15,000 | ? | Review |
| Peoples State Bank | MN, WI | 2.53% | $10,000 | ? | Review |
| Peoples State Bank | IL | 2.01% | $20,000 | ? | Review |
| Pioneer Bank | MN | 2.51% | $10,000 | ? | Review |
| Premier Bank | IA | 5.00% | $5,000 | ? | Review |
| Prosper Bank | TX | 2.02% | $25,000 | ? | Review |
| Putnam Bank | CT | 3.01% | $10,000 | ? | Review |
| PROFINIUM, INC. | MN | 2.50% | $15,000 | ? | Review |
| Quoin Financial Bank | SD | 2.51% | $15,000 | ? | Review |
| Randolph Savings Bank | CT, FL, ME, MA, NH, RI, VT | 2.75% | $25,000 | ? | Review |
| Reliance Bank | IL, MO | 2.02% | $20,000 | ? | Review |
| Roundbank | MN | 2.50% | $10,000 | ? | Review |
| Security Bank (OK) | OK | 2.05% | $25,000 | ? | Review |
| SouthPoint Bank | AL | 2.10% | $25,000 | ? | Review |
| Southern Bank | AR, MO | 3.01% | $15,000 | ? | Review |
| Southeast National Bank | IA, IL | 2.25% | $10,000 | ? | Review |
| State Savings Bank | IA | 3.30% | $25,000 | ? | Review |
| State Bank of Cross Plains | WI | 2.53% | $25,000 | ? | Review |
| St. Martin Bank & Trust Company | LA | 3.01% | $10,000 | ? | Review |
| The Clay City Banking Co. | MN | 2.02% | $25,000 | ? | Review |
| The Community Bank | OH | 3.01% | $10,000 | ? | Review |
| Texas Heritage National Bank | TX | 2.50% | $25,000 | ? | Review |
| Texas Bank | TX | 3.04% | $25,000 | ? | Review |
| The First National Bank of Barry | IL | 2.50% | $10,000 | ? | Review |
| The First National Bank of Jeanerette | LA | 3.00% | $10,000 | ? | Review |
| The First National Bank of Pandora | OH | 2.05% | $10,000 | ? | Review |
| The First National Bank of Winnsboro | TX | 2.25% | $10,000 | ? | Review |
| The First State Bank | OK | 2.50% | $15,000 | ? | Review |
| The Home Loan Savings Bank | OH | 2.02% | $25,000 | ? | Review |
| Texas Telcom CU | TX | 2.25% | $5,000 | ? | Review |
| Teutopolis State Bank | IL | 2.55% | $15,000 | ? | Review |
| TruStone Financial Federal Credit Union | MN, WI (Nationwide with donation) | 2.02% | $20,000 | ? | Review |
| United Educators Credit Union | MN | 2.00% | $10,000 | ? | Review |
| Union State Bank (KS) | KS, MO | 2.50% | $25,000 | ? | Review |
| Valley National Bank | OK | 2.05% | $25,000 | ? | Review |
| Volunteer State Bank | TN | 2.25% | $15,000 | ? | Review |
| Washington Savings Bank (MA) | MA | 2.48% | $10,000 | ? | Review |
| Woodland Bank | MN | 2.05% | $25,000 | ? | Review |
| Woodsville Guaranty Savings Bank | NH | 2.02% | $10,000 | ? | Review |
| WyHy Federal Credit Union | WY | 4.00% | $15,000 | ? | Review |
| Xcel Federal Credit Union | NJ, NY | 2.01% | $25,000 | ? | Review |
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