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.

Table of Contents

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.

• Earn up to 3.30% APY
• 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

Apply Now at Axos Bank

View our Axos Bank Rewards Checking review here and the latest Axos Bank Promotions.

Discover Cashback Debit Account

View our Discover Cashback Debit review here and the latest Discover Promotions.

Bank or Credit Union	State(s)	Rate	Maximum Balance	Review
Consumers Credit Union	Nationwide	4.09%	$10,000	Review
First United Credit Union	MI	4.00%	$10,000	Review
Elements Financial	Nationwide	4.00%	$20,000	Review
Evansville Teachers Federal Credit Union	Nationwide	3.30%	$20,000	Review
Tensas State Bank	LA	3.05%	$10,000	Review
Bank of Missouri	MO	3.05%	$15,000.99	Review
Union Bank	Nationwide	3.05%	None	Review
Market USA Federal Credit Union	Nationwide	3.01%	$15,000	Review
ECCU	Nationwide	3.00%	$10,000	Review
INOVA Federal Credit Union	Nationwide	3.00%	$15,000	Review
Lake Michigan Credit Union	Nationwide	3.00%	$15,000	Review
Municipal Employees Credit Union	Nationwide	3.00%	$10,000	Review
Porte Bank	Nationwide	3.00%	$15,000	Review
Sharon Bank	DE, NJ, PA	2.00%	$10,000	Review
Sunstate Bank	FL	3.00%	$10,000	Review
R Bank	TX	3.00%	$10,000	Review
Security Bank of Crawford	Nationwide	3.00%	$15,000	Review
Southeast National Bank	IA, IL, WI	3.00%	$10,000	Review
Sullivan Bank	Nationwide	3.00%	$10,000	Review
Quoin Financial Bank	Nationwide	3.00%	$25,000	Review
Western Vista Credit Union	Nationwide	2.53%	$15,000	Review
CapEd Credit Union	Nationwide	2.50%	$10,000	Review
Devon Bank	Nationwide	2.50%	$10,000	Review
Devon Bank	Nationwide	2.50%	$10,000	Review
Great Lakes Credit Union	Nationwide	2.50%	$10,000	Review
First Financial Credit Union	Nationwide	2.50%	$15,000	Review
Oklahoma Central Credit Union	Nationwide	2.50%	$10,000	Review
USE Federal Credit Union	Nationwide	2.50%	$5,000	Review
WCCU Credit Union	WI	2.50%	$20,000	Review
Bellco Credit Union	Nationwide	2.25%	$25,000	Review
Presidential Bank	Nationwide	2.25%	$25,000	Review
Andigo Credit Union	Nationwide	2.09%	$10,000	Review
FAB&T	Nationwide	2.05%	$30,000	Review
Hiway Federal Credit Union	Nationwide	2.02%	$25,000	Review
TruStone Financial Federal Credit Union	Nationwide	2.02%	$20,000	Review
Campus Federal Credit Union	Nationwide	2.01%	$10,000	Review
Department of Commerce Federal Credit Union	Nationwide	2.01%	$20,000	Review
Blue Federal Credit Union	Nationwide	2.00%	$15,000	Review
Day Air Credit Union	OH	2.00%	$25,000	Review
Farmers State Bank	IA	2.00%	$15,000	Review
Silver Lake Bank	KS	2.00%	$20,000	Review
Susser Bank	TX	2.00%	$50,000	Review
GreenState Credit Union	Nationwide	2.00%	$20,000	Review
Ideal Credit Union	Nationwide	2.00%	$20,000	Review
MainStreet Bank	Nationwide	2.00%	$15,000	Review
Savers Bank	CT, MA, RI	2.00%	$25,000	Review
The Bank of Denver	Nationwide	2.00%	$10,000	Review
United Educators Credit Union	Nationwide	2.00%	$10,000	Review
Wings Financial Credit Union	Nationwide	1.76%	$25,000	Review
Connexus Credit Union	Nationwide	1.75%	$25,000	Review
Partner Colorado Credit Union	Nationwide	1.75%	$10,000	Review
Finex Credit Union	Nationwide	1.51%	$25,000	Review
Garden Savings Federal Credit Union	Nationwide	1.50%	$15,000	Review
KS State Bank	Nationwide	1.50%	$25,000	Review
MCT Credit Union	TX	1.50%	$20,000	Review
Signature Federal Credit Union	Nationwide	1.50%	$20,000	Review
TAB Bank	Nationwide	1.50%	$25,000	Review
Industrial Bank	Nationwide	1.47%	$15,000	Review
BankFirst	Nationwide	1.25%	$10,000	Review
GCS Credit Union	IL	1.25%	$10,000	Review
Quontic Bank	Nationwide	1.25%	$1,000,000	Review
Security Federal Bank	GA, SC	1.25%	$10,000	Review
Heritage Bank	Nationwide	1.02%	$25,000	Review
Envision Bank	Nationwide	1.01%	$25,000	Review
Flora Bank & Trust First	IL	1.01%	$20,000	Review
All America Bank	Nationwide	1.00%	$10,000	Review
Northwest Federal Credit Union	Nationwide	1.00%	$25,000	Review
One American Bank	Nationwide	1.00%	$10,000	Review
Orion Federal Credit Union	Nationwide	1.00%	$10,000	Review
Redneck Bank	Nationwide	1.00%	$10,000	Review
XCEL Federal Credit Union	Nationwide	1.00%	$25,000	Review
First Security Bank & Trust	Nationwide	0.80%	$15,000	Review
America's Credit Union	Nationwide	0.75%	$25,000	Review
Bay State Savings Bank	Nationwide	0.75%	$20,000	Review
Country Bank	Nationwide	0.75%	$20,000	Review

FEATURED BANK PROMOTIONS
PROMOTIONAL LINK	OFFER	REVIEW
U.S. Bank Smartly^TM Checking	Up to $600 Cash	Review
Chase Private Client	$3,000 Cash	Review
U.S. Bank Business Checking	$500 Cash	Review
Chase Business Complete Banking^SM	$300 Cash	Review
Discover® Online Savings Account	Up to $200 Cash	Review
Citi Priority Account	Up to $2,000 Cash Bonus with required activities.	Review
Citigold® Checking Account	Up To $2,000 Cash Bonus with required activities.	Review
Chase Total Checking^®	$200 Cash	Review
Chase College Checking^SM	$100 Cash	Review
J.P. Morgan Self-Directed Investing	Up to $700 Cash	Review
Chase Secure Banking^SM	$100 Cash	Review
SoFi Checking and Savings Account	$275 Cash	Review
PSECU Checking	$300 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
TD Bank Beyond Checking^SM	$300 Cash	Review
TD Bank Convenience Checking^SM	$200 Cash	Review
First National Bank Checking>	$400 Cash	Review
Fifth Third Bank Checking	$275 Cash	Review
Axos Bank Rewards Checking	$100 Cash	Review
Axos Basic Business Checking	$200 Cash	Review
Axos Business Interest Checking	$200 Cash	Review
Axos Business Savings	$200 Cash	Review
Axos Self Directed Trading	$250 Cash	Review

Editor Rating

America’s Credit Union Affinity Plus Checking Account: 0.75% APY On Balances Up To $25,000 [Nationwi...

Tioga-Franklin Savings Bank Kasasa Cash Checking Account: 2.00% APY On Balances Up to $25,000 [PA]

WaterStone Bank Super Smart Money Market Account: Earn 1.25% APY Rate [WI]

Best Bank Promotions

Chase Business Complete Banking^SM
$300 Cash

Chase Private Client
$3,000 Cash

Chase Total Checking®
$200 Cash

U.S. Bank Smartly^TM Checking
Up to $600 Cash

U.S. Bank Business Checking
$500 Cash

Citi Priority Account
Up to $2,000 Cash Bonus
with required activities.

Citigold® Checking Account
Up To $2000 Cash Bonus
with required activities.

SoFi Checking and Savings Account
$275 Cash

Chase College Checking^SM
$100 Cash

Chase Secure Banking^SM
$100 Cash

Huntington Unlimited Plus Business Checking
$1,000 Cash

Huntington Unlimited Business Checking
$400 Cash

Huntington Business Checking 100
$100 Cash

Sallie Mae Bank 27-Month CD
4.85% APY

Sallie Mae Bank 14-Month No Penalty CD
4.40% APY

Western Alliance Bank High Yield Savings
4.50% APY

Live Oak Bank Small Business Checking & Savings
$300 Cash

Fifth Third Bank Checking
$275 Cash

Axos Bank Rewards Checking
$100 Cash

Axos Bank Basic Business Checking
$200 Cash

Axos Bank Business Interest Checking
$200 Cash

Axos Bank Business Savings
$200 Cash

PSECU Checking
$300 Cash

TD Bank Beyond Checking
$300 Cash

TD Bank Convenience Checking
$200 Cash

First National Bank Checking
$400 Cash

Axos Invest Self Directed Trading
$250 Cash

J.P. Morgan Self-Directed Investing
Up To $700 Cash

CIT Bank Platinum Savings
4.75% APY

CIT Bank Savings Connect
4.50% APY

Discover® Online Savings Account
$200 Cash
See advertiser website for full details

Discover® Online Savings Account
$150 Cash
See advertiser website for full details

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code BDG223 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice.

Credit Card Bonuses

Chase Sapphire Preferred®
60,000 Bonus Points
Learn More

The Platinum Card® from American Express
80,000 Membership Rewards Points
Learn More

Chase Ink Business Cash^® Card
$750 Bonus Cash Back
Learn More

Ink Business Unlimited^® Credit Card
$750 Bonus Cash Back
Learn More

Chase Sapphire Reserve®
60,000 Bonus Points
Learn More

*Bonus Value* is an estimated value calculated by Bankdealguy and not the card issuer.

Comments

Hotel Kirkland says

March 13, 2023 at 9:38 am

Thank you for sharing such a well-researched and informative article.

Billpayer21 says

May 28, 2022 at 1:29 pm

Love this site.

Please keep publishing

Jeannine says

August 9, 2020 at 8:36 pm

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.,

- K A says
  
  January 20, 2022 at 4:35 pm
  
  How do you manage the required minimum debit card transactions of 10-15 for all the accounts?
  
Victoria Confidus says

March 13, 2020 at 2:01 pm

Great article. Thanks for the detailed information. Your blog is by far the best source I’ve found. Thanks!

Peg says

February 22, 2020 at 6:10 pm

FYI Progressive Bank (LA) is not nationwide.