Compare rates on the best 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.
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Axos Bank Rewards Checking Account
![]() Earn up to 3.30% APY with the Axos Bank Rewards Checking account while enjoying a suite of digital tools for smarter money management. This is banking, redefined. • Use promo code AXOS300 and apply by December 31st, to earn up to a $300 bonus! • Zero monthly maintenance fees • Zero overdraft or NSF fees • Zero minimum monthly balance reqs • Unlimited domestic ATM fee reimbursements • Online debit card management • Simple, 3-step process for direct deposit • Only $50 to open an account |
Discover Cashback Debit Account
PROMOTIONAL LINK | OFFER | REVIEW |
HSBC Premier Checking & Savings Member FDIC | Up to $3,000 Cash | Review |
Chase Private Client | $3,000 Cash | Review |
U.S. Bank Business Checking | $900 Cash | Review |
Chase Business Complete Checking® | $300 or $500 Cash | Review |
KeyBank Key Smart Checking® | $300 Cash | Review |
Truist One Checking | $400 Cash | Review |
Chase Total Checking® | $300 Cash | Review |
Chase College CheckingSM | $100 Cash | Review |
J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
Chase Secure BankingSM | $100 Cash | Review |
SoFi Checking and Savings Account | $325 Cash | Review |
Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
Huntington Bank Unlimited Business Checking | $400 Cash | Review |
Huntington Bank Business Checking 100 | $100 Cash | Review |
Fifth Third Bank Checking | $400 Cash | Review |
Axos Basic Business Checking | $400 Cash | Review |
Axos Business Interest Checking | $400 Cash | Review |
Axos Bank Business Premium Savings | $375 Cash | Review |
Thank you for sharing such a well-researched and informative article.
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The only 3%+ Reward Checking listed I do not already have accounts include; Quoin, Security Bank of Crawford, MarketUSA and First Financial Credit Union are not nationwide and I do not qualify. Blue’s requirements include length of membership and large savings and loans balances, so this will only pay 2.01%. Inova FCU charges $4.95 monthly, non-waiveable and not deducted from 1099 interest income.,
How do you manage the required minimum debit card transactions of 10-15 for all the accounts?
Great article. Thanks for the detailed information. Your blog is by far the best source I’ve found. Thanks!
FYI Progressive Bank (LA) is not nationwide.