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.
Axos Bank Rewards Checking Account
 Earn up to 1.25% APY with the Axos Bank Rewards Checking account while enjoying a suite of digital tools for smarter money management. This is banking, redefined. • Never pay monthly maintenance fees again • No Need to Keep a Minimum Balance to Avoid Fees • No Overdraft or Non-Sufficient Fund Fees • Make Unlimited Withdrawals From Any Domestic ATM for Free |
View our Axos Bank Rewards Checking review here and the latest Axos Bank Promotions.
Discover Cashback Debit Account
 With the Discover Cashback Debit Account: • Earn 1% cash back on up to $3,000 in debit card purchases each month, which lets you earn up to a total of $360 Debit Card Cashback Bonus per year. • Anyone can open a Discover Cashback Debit account online • No monthly fees or monthly balance requirements • With over 60,000 no-fee ATMs in the U.S., Discover is always nearby. • Move money easily and securely with just a few clicks or taps (transfers to existing discover accounts are immediate)! • Manage your account and avoid late fees by paying bills online. • Deposit checks on the go with your phone or automatically with direct deposit. |
View our Discover Cashback Debit review here and the latest Discover Promotions.
| Bank or Credit Union | State(s) | Rate | Maximum Balance | Credit Inquiry | Review |
|---|---|---|---|---|---|
| Consumers Credit Union | Nationwide | 4.09% | $10,000 | Hard Pull | Review |
| Blue Federal Credit Union | Nationwide | 3.50% | $15,000 | ? | Review |
| Devon Bank | Nationwide | 3.50% | $10,000 | ? | Review |
| Evansville Teachers Federal Credit Union | Nationwide | 3.30% | $20,000 | Soft Pull | Review |
| Western Vista Credit Union | Nationwide | 3.25% | $15,000 | Soft Pull | 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 | Soft Pull | Review |
| Garden Savings Federal Credit Union | Nationwide | 3.00% | $15,000 | ? | Review |
| INOVA Federal Credit Union | Nationwide | 3.00% | $15,000 | ? | Review |
| Lake Michigan Credit Union | Nationwide | 3.00% | $15,000 | Hard Pull | Review |
| Municipal Employees Credit Union | Nationwide | 3.00% | $10,000 | ? | Review |
| Porte Bank | Nationwide | 3.00% | $15,000 | ? | Review |
| Sharon Bank | DE,NJ, PA | 3.00% | $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 | Unknown | Review |
| CapEd Credit Union | 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 |
| The Bank of Denver | Nationwide | 2.50% | $25,000 | Soft Pull | Review |
| USE Federal Credit Union | Nationwide | 2.50% | $10,000 | ? | Review |
| Bellco Credit Union | Nationwide | 2.25% | $25,000 | Soft Pull | Review |
| Presidential Bank | Nationwide | 2.25% | $25,000 | ? | Review |
| Hiway Federal Credit Union | Nationwide | 2.22% | $25,000 | ? | Review |
| Andigo Credit Union | Nationwide | 2.09% | $10,000 | ? | Review |
| FAB&T | Nationwide | 2.05% | $30,000 | ? | Review |
| TruStone Financial Federal Credit Union | Nationwide | 2.02% | $20,000 | ? | Review |
| Bay State Savings Bank | Nationwide | 2.01% | $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 |
| First Security Bank & Trust | Nationwide | 2.01% | $50,000 | ? | Review |
| Day Air Credit Union | OH | 2.00% | $25,000 | ? | Review |
| Elements Financial | Nationwide | 2.00% | $20,000 | Soft Pull | Review |
| Signature Federal Credit Union | Nationwide | 2.00% | $20,000 | Soft Pull | Review |
| Silver Lake Bank | KS | 2.00% | $20,000 | Soft Pull | Review |
| GreenState Credit Union | Nationwide | 2.00% | $20,000 | ? | Review |
| Ideal Credit Union | Nationwide | 2.00% | $20,000 | Soft Pull | Review |
| MainStreet Bank | Nationwide | 2.00% | $15,000 | ? | Review |
| One American Bank | Nationwide | 2.00% | $10,000 | Soft Pull | Review |
| Savers Bank | CT, MA, RI | 2.00% | $25,000 | Soft Pull | Review |
| TAB Bank | Nationwide | 2.00% | $50,000 | Soft Pull | 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 | Hard Pull | Review |
| Partner Colorado Credit Union | Nationwide | 1.75% | $10,000 | Hard Pull | Review |
| Finex Credit Union | Nationwide | 1.51% | $25,000 | ? | Review |
| Country Bank | Nationwide | 1.50% | $25,000 | ? | Review |
| Envision Bank | Nationwide | 1.50% | $25,000 | ? | Review |
| KS State Bank | Nationwide | 1.50% | $25,000 | ? | Review |
| Industrial Bank | Nationwide | 1.47% | $15,000 | ? | Review |
| Heritage Bank | Nationwide | 1.32% | $25,000 | Soft Pull | Review |
| BankFirst | Nationwide | 1.25% | $10,000 | ? | Review |
| Devon Bank | Nationwide | 1.25% | $50,000 | ? | Review |
| Quontic Bank | Nationwide | 1.25% | $1,000,000 | ? | Review |
| America's Credit Union | Nationwide | 1.01% | $25,000 | ? | Review |
| All America Bank | Nationwide | 1.00% | $10,000 | Soft Pull | Review |
| Northwest Federal Credit Union | Nationwide | 1.00% | $25,000 | ? | Review |
| Orion Federal Credit Union | Nationwide | 1.00% | $10,000 | Hard Pull | Review |
| Redneck Bank | Nationwide | 1.00% | $10,000 | ? | Review |
| XCEL Federal Credit Union | Nationwide | 1.00% | $25,000 | ? | Review |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Citi Priority Account | Up to $1,500 Cash Bonus with required activities. | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| Chase Total Checking® | $225 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| Huntington 25 Checking | $300 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| TD Bank Beyond CheckingSM | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| SoFi Money | $100 Cash | Review |
| Discover Bank Cashback Debit | $360 Debit Cashback | Review |
| BMO Harris Bank Checking | $300 Cash | Review |
| Citigold Account | Up To $1500 Cash Bonus with required activities. | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Axos Business Savings | $100 Cash | Review |
| Aspiration Spend & Save | $150 Cash | Review |
