| Reward Checking Accounts |
What are Reward Checking Accounts?
These accounts usually offer a higher premium
rate for customers who meet certain monthly
requirements such as:
- Make 10 to 20 signature-based or
PIN-based debit card
transactions.
- Make 1 direct deposit, auto-debit,
and/or online bill payment.
- Receive electronic statements only, no
paper/mail statements.
- Log into your online account at least
once.
- Maintain a balance of usually under
$25,000.
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| MidWest America Federal Credit
Union (6.31%) |
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To earn the reward rates, perform these
requirements each monthly cycle.
- Have at least one ACH transaction in
your checking account during each
qualification cycle.
- Have at least 10 cleared debit card
transactions each qualification cycle
for purchases.
- Register and receive monthly
e-statements (must maintain a valid
e-mail address).
Notes:
- Minimum Balance: $0
- Monthly Fee: $0
- Hard Inquiry: No
- Earn 6.31% APY on balances up to
$25,000.
- Earn 1.51% APY on balances over
$25,000.
- Earn 0.11% APY if requirements are
not met.
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| Community Bank of Pleasant Hill (6.10%) |
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To earn the bonus rates, perform these
requirements each monthly cycle.
- Make at least 10 debit card
transactions (Point of Sale) per
statement cycle.
- Have at least one monthly ACH direct
deposit or ACH auto debit.
- Receive your statements
electronically.
Notes:
- Minimum Balance: $0 (opening balance
of $100)
- Monthly Fee: $0
- Earn 6.10% APY on balances up to
$25,000.
- Earn 1.25% APY on balances over
$25,000.
- Earn 0.30% APY if requirements are
not met.
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| Crossroads Bank - Effingham First
Checking (6.10%) |
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To earn the bonus rates, perform these
requirements each monthly cycle.
- Sign up to receive electronic
statements.
- Have 20 Visa Debit Card transactions
per statement cycle (excluding ATM
transactions).
Notes:
- Minimum Balance: $0
- Monthly Fee: $0
- Accounts must be open in person.
- Earn 6.10% APY on balances up to
$30,000
- Earn 2.00% APY on balances over
$30,000
- Earn 0.10% APY if requirements are
not met.
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| Charter Bank - TurboChecking (6.01%) |
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To earn the bonus rates, perform these
requirements each monthly cycle.
- Make at least 13 debit card
transactions monthly (excluding ATM
transactions).
- Receive one direct deposit or ACH
auto debit monthly.
- Receive your monthly statement
electronically (e-statement).
- Access on-line banking at least once
before month end.
Notes:
- Minimum Balance: $0 (opening balance
of $100)
- Monthly Fee: $0
- Hard Inquiry: No
- Earn 6.01% APY on balances up to
$25,000.
- Earn 1.01% APY on balances over
$25,000.
- Earn 0.25% APY if requirements are
not met.
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| Golden Plains Credit Union (6.01%) |
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To earn the bonus rates, perform these
requirements each monthly cycle.
- Make at least 10 Visa Check Card
transactions monthly.
- Receive your monthly statement
electronically (e-statement).
- Access on-line banking at least once
before month end.
Notes:
- Minimum Balance: $0 (opening balance
of $100)
- Monthly Fee: $0
- Earn 6.01% APY on balances up to
$25,000.
- Earn 0.51% APY on balances over
$25,000.
- Earn 0.21% APY if requirements are
not met.
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| Coulee Bank (6.01%) |
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To earn the bonus rates, perform these
requirements each monthly cycle.
- Make 10 debit card point-of-sale
transactions per “qualification cycle”
(just say/press credit unless you want
cash back).
- Receive e-statements.
- Set-up one direct deposit or one
auto debit monthly.
Notes:
- Minimum Balance: $0
- Monthly Fee: $0
- Earn 6.01% APY on balances up to
$25,000.
- Earn 1.01% APY on balances over
$25,000.
- Earn 0.30% APY if requirements are
not met.
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| Summit Bank & Trust (6.01%) |
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To earn the bonus rates, perform these
requirements each monthly cycle.
- Simply have 12 or more
signature-based purchases posted within
the monthly qualification cycle.
- Have one or more automatic payment
(like a utility bill) or direct deposits
each month.
- Receive e-statements.
Notes:
- Minimum Balance: $0
- Monthly Fee: $0
- 6.01% APY guaranteed until June 30,
2009.
- Earn 6.01% APY on balances up to
$20,000.
- Earn 1.01% APY on balances over
$20,000.
- Earn 0.25% APY if requirements are
not met.
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