High-Interest Checking Accounts: Earn More with Every Deposit

While most Americans hate the banking industry, we all love a good checking account. Ideally, we love a checking account that offers high interest rates, is conveniently located, and one that offers exceptional services.

Below, I review some of the leading checking accounts from top banks and credit unions. I offer the features that make each service unique and a link to create an account.

Bank of Internet USA Rewards Checking

This account is offered by Bank of Internet USA. The bank offers other types of checking accounts but I highly recommend the rewards checking account. Its features are:

• A high APY of up to 1.25%.
• Unlimited ATM disbursements.
• No monthly maintenance fees and no minimum balance.
• Overdraft protection.
• A free Visa Debit card.
• Free online tools like: check deposit, bill payments tools, and the FinanceWorks tool for budgeting.

You can learn more about this account here. You can also learn more about other checking accounts offered by the bank here.

NorthPointe UltimateAccount

NorthPointe Bank offers three checking accounts: UltimateAccount, Free Checking, and Interest Checking Account. I recommend the UltimateAccount whose features are:

• High APY of up to 5% on balances up to $10,000.
• High interest rate.
• Free ATM refunds.
• Set up direct deposit or automatic withdrawal of $100 or more.
• No minimum balance to earn interest.

You can learn more about the account here.

One American Bank

One American Bank, a FDIC-Insured bank offers a Free Kasasa Cash checking account whose features include:

• High APY of 3.50% on balances up to $10,000.
• Refunds on ATM withdrawal charges.
• No monthly charges.
• No minimum balance.
• Unlimited check writing.
• Free mobile banking platforms.
• Free Visa Debit Card.
• $50 minimum deposit to open.

To learn more about this account, follow this link.

Georgia Banking Company

Georgia Banking Company (GBC) offers two checking accounts: Free Kasasa Cash Checking and Gold Checking. I recommend the Free Kasasa Cash Checking because it does not have a minimum opening deposit. Its features are:

• 15% APY on balances up to $25,000.
• No monthly maintenance fee.
• Unlimited refunds on ATM withdrawals nationwide.
• Free debit card.
• Minimum opening deposit of $100.
• Free online banking.

You can learn more about this account here.

Discover Cashback Checking

This account is offered by Discover, an award-winning bank. The account’s features are:

• High APY of 1.25% on all balances.
• 1% cash back on up to $3000 in debit card transactions.
• No monthly fees.
• Access to more than 60,000 no fee ATMs.
• No monthly fees.
• No minimum balance.
• No fees for incoming wires.
• Transparent fees.

To open this account or to learn more, follow this link.

Capital One 360 Checking

The 360 Checking account is an online account offered by Capital One. Its key features are:

• High APY of up to 1.25%
• No monthly account maintenance fee.
• No hidden fees.
• No account minimums.
• Multiple ways to deposit money.
• Pay your bills online for free.
• Free ATM withdrawals in more than 39,000 ATMs

Please learn more about the account’s charges here.

You can open this account here.

Bank SNB Relationship Checking

Bank SNB is a local public bank started in 1894. The bank operates in Oklahoma, Texas, Arkansas, and Texas. It offers four checking accounts but I recommend the relationship checking which has the following features.

• High APY of up to 2%.
• No monthly fees.
• 30% off Safe Deposit Box.
• Free mobile banking, mobile deposit, and bill pay.
• Free checks.
• Rebates on Non-SNB ATMs.
• IRA fees waved

You can open read more about this account here.

MemoryBank EarnMore Checking Account

The EarnMore account is offered by MemoryBank. The account has been featured in credible banking reviewing sites like ValuePenguin and DepositAccounts. Its features are:

• A high APY of up to 1.5%.
• Access to more than 85,000 supercharge-free ATMs.
• Free online banking with no monthly maintenance fee.
• No minimum balance.

You can learn more about this account here.

Ally Interest Checking Account

Ally Bank is the biggest online-only bank in the United States and one of the fastest growing. By not having local branches, Ally is able to pass on the savings to the customer. The Interest checking account offers the following features.

• High APY of up to 0.60%.
• No hidden fees. All fees can be found in this link.
• No monthly fees.
• Free 24/7 real person customer care service.
• Easy methods to deposit money.
• Easy methods to send money.
• Free ATM withdrawals in Allpoint ATMs.

You can open or learn more about this account here.

Consumers Credit Union

Consumers credit union is one of the largest credit unions in the country. It is headquartered in Illinois but it is open people from all states. The union offers the free rewards checking account that has the following features.

• A high APY of 3.09%
• No minimum balance.
• Free mobile banking, eDocuments, and online banking.
• ATM fees are reimbursed.
• Unlimited check-writing privileges.

For more information about this account, follow this link.

The financial industry is one of the most competitive in the country. There are more than 6700 FDIC-Insured banks and new ones are coming. Apart from banks, there are other financial institutions like credit unions. This competition benefits the customers who have a choice to use the bank of their liking. Therefore, before you select a bank or credit union for your checking account, I recommend that you spend time doing some background research about it.

I also recommend reading customer reviews of the financial institutions from websites like Consumer Affairs and BBB. Doing this will give you an overview of what to expect by banking with the organization.