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Abbreviations used below (click to view)
Min = sometimes minimum to open, sometimes minimum for the rate.
MM, MMA = Money Market (Savings) Account
OSA = Online Savings Account
HYS = High Yield Savings (Account)
HYC = High Yield Checking (Account)
SA = Savings Account
Chk = Checks
Dbt = Debit Card (yes or no, A = ATM Card)
ACH = ACH Origin/Destination
Th = link to a discussion thread
Please keep the tables below sorted by APY (from highest to lowest), then SINCE date (from oldest to most recent).
Savings, Checking, and Money Market Accounts
Reward Checking Accounts
Most Reward Checking accounts have a cap on the balance that earns their high yield. Any balance above that cap will earn a much lower yield, typically 1.01% APY. They also have stringent requirements that must be met during each statement cycle, such as 10 debit card transactions, 1 direct deposit or other ACH transaction, receiving e-statements, and logging into on-line banking at least once. Not meeting the requirements for a statement cycle usually nullifies other features that might apply, such as ATM rebates, and drops the yield drastically, typically to 0.25% APY.