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Community Bank Rewards Checking Accounts

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It’s not often that you get rewarded for using your checking account. Some accounts may offer interest, but not at a rate far above the national average. With the economy still in flux, every bonus counts for something. That’s where rewards checking accounts come in. These accounts are for consumers who use their checking accounts frequently, through debit transactions and automatic deposits. By meeting a few easy qualifications each month, you get a free account that also earns amazing interest. Even if you don’t meet the requirements, your account remains free, and you earn a baseline interest rate.

Find a Rewards Checking Account Near You

We’ve found rewards checking accounts at community banks nationwide. Community banks tend to have smaller service areas than bigger banks, and participate in the local economy through small business investments. They are often more willing to offer these kinds of rewards accounts to their communities. Check out the community bank nearest to you for a rewarding, high-yield checking experience.

Absolute Checking – ViewPoint Bank (Plano, TX)

ViewPoint Bank makes it easy for Texas residents to earn rewards with their Absolute Checking account. Just make a minimum $100 deposit to open the account, and either make one direct deposit into your account per month (no minimum) or pay one bill online per month. You must also make 15 check card purchases and receive your statement electronically each month to qualify. You’ll earn an excellent interest rate, plus you get free ATM use anywhere. Yes, anywhere. The bank will refund any ATM fees, no receipt required. Extra perks include free cash-back rewards, free checks and a free safe deposit box. ViewPoint Bank has branches in 17 Texas cities.

Rewards Checking Plus – American Gateway Bank (Baton Rouge, LA)

Rewards Checking Plus at American Gateway Bank offers you the chance to earn a premium interest rate, among other perks. You must make 12 debit card purchases, enroll in eStatements, and have one direct deposit each month to qualify. You’ll get $20 in ATM fee refunds each month, free Internet and mobile banking, and unlimited check writing. American Gateway Bank has 10 branches in the Greater Baton Rouge Area, Louisiana.

1st Rewards Checking – 1st National Bank (Berlin, WI)

You have the ability to earn outstanding interest with 1st Rewards Checking at 1st National Bank. Just make 10 debit card purchases, have one automatic payment or direct deposit, and receive and review eStatements each month to qualify. You’ll get that incredible interest rate, unlimited ATM refunds nationwide (up to $4.99 per transaction), and free online banking. 1st National Bank has branches in Berlin, Green Lake, Montello, Omro, Poy Sippi, Waunakee, Westfield and Winneconne, Wisconsin.

Rewards Checking – Security Bank (Odessa, TX)

The benefits of Rewards Checking at Security Bank are almost too good to be true. You get an unbeatable interest rate when you make 10 debit card purchases, one direct deposit or automatic payment, receive eStatements, and access online banking each month. You also get nationwide ATM fee refunds, up to $25 monthly, unlimited checking and online banking. If you want to earn even more, you can open the Real Rewards with Saver account to get two great interest rates. Security Bank has branches in Odessa, Midland, Big Lake, McCamey, Crane, Monahans, Spring Branch, Devine and San Antonio, Texas.

Rewards Checking – Eastwood Bank (Kasson, MN)

Eastwood Bank gives you the opportunity to get SuperSize benefits each month with Rewards Checking. You will get a super interest rate if you make 12 debit card purchases, have at least one direct deposit or automatic payment, and receive e-statements each month. You also get $25 in ATM fee refunds each month. Eastwood Bank has branches in Eyota, Houston, Kasson, Rochester, Rollingstone, St. Charles, Stewartville and Winona, Minnesota.

A+ Rewards Checking – Union First Market Bank (Richmond, VA)

Union First Market Bank offers the A+ Rewards Checking account specifically for teachers and school administrators. The account is completely free, earns interest, and offers free admission to select area museums. You also get loan rate discounts, credit towards a first mortgage or refinance, and free online and mobile banking. Union First Market Bank has 90 branches in Virginia.

Rewards Checking Accounts – Talmer Bank (Troy, MI)

Available only to Talmer Bank’s Wisconsin customers, Rewards Checking Accounts are special high-yield accounts that earn great interest. You must make 10 debit transactions, have one direct deposit or automatic payment, and receive statements electronically each month to qualify. As a bonus, all non-Talmer Bank ATM fees are refunded. Talmer Bank has branches in Illinois, Wisconsin and Michigan.

Citizens Free Rewards Checking – Citizens National Bank (Sevierville, TN)

The opportunity to earn a truly spectacular interest rate is in your hands with Citizens Free Rewards Checking at Citizens National Bank. Just make 12 debit purchases, have one direct deposit, and receive e-statements each month, and you can start earning. You get unlimited ATM fee refunds on all Nationwide ATMs, unlimited check writing, and free online and GoMobile banking. Citizens National Bank has branches in Sevier, Jefferson and Knox counties, Tennessee.

MyRate Checking – Bank of American Fork (American Fork, UT)

You can watch your money multiply with MyRate Checking at Bank of American Fork. You’ll get an outstanding interest rate when you make 12 debit card purchases, have one direct deposit, and receive eStatements each month, as well as access online banking once every 180 days. It’s easy to do, and you’ll get free ATM use anywhere in the US. Bank of American Fork has offices in Salt Lake, Utah and Davis counties, Utah.

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  • Washingtonian

    Those rates are all low. … I have 11 reward Checking Accounts at or above 3%. All require 10-12 debit card purchases and an ACH or Direct Deposit, and some a bill pay.
    Great lakes CU – (IL) – 4% -10k per account –Allows 3 Accounts Per SSN
    Harborstone CU (WA) 3% 20K (Raised rates effective 5/1/13)
    Prevail Credit Union -(WA) 3% 10K
    Advantis FCU – (OR) 3% $25K
    Community Federal Savings Bank (KY) 3.05% 20K
    Hope FCU -(MS) 3.02% $10K
    First Financial Bank (AR) 3% 15K
    Money One FCU (MD) 3.01% 10K
    Lake Michigan CU (IL) 3% $15K
    Consumers CU (IL) 3.09% $5K

    Mutual Bank (MA) 3% 10K