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Home Bank Promotions

Best High Yield Reward Checking Rates Nationwide January 2024

Tony Jay by Tony Jay
December 29, 2023 11:50 am CST
in Bank Promotions, Banking
0
Earn a $300 cash bonus with BlueVine!
CIT Bank platinum savings 300 bonus banner

Find the best high-yield reward Checking Account rates available nationwide here. We track rates from over 1,000 banks and credit unions to come up with the list below.

Low risk ways to earn interest with your funds include Checking, Savings/Money Market and CD accounts. While it’s generally not the best idea to put all your investment funds into these accounts, they are a good way to diversify your overall investments.

Reward Checking Vs. Savings Vs. CDs

  • Reward Checking Accounts: These accounts generally can have rates matching or beating those of the best Savings or CD accounts. But, the accounts earning the highest rates typically have maximum balance restrictions for said rates. Lately, the maximum has been in the $10k – $30k range. The advantage is the use of Checking account features like checking writing, ATM withdrawals, debit card use and bill pay.
  • Savings/Money Market Accounts: These accounts generally earn lower rates than CD accounts. They have the advantage of allowing you access to your funds without penalty. You can make 6 withdrawals per month per federal regulations. For most accounts, you can withdraw the entire balance and close your account at any time without penalty. So, this serves as a good option for emergency funds.
  • CD Accounts: These will usually earn higher rates than Savings accounts for terms 1 year and greater. The disadvantage is that you won’t have access to your funds for the length of the CD term without an early withdrawal penalty. No-Penalty CDs are the exception, but those are mostly limited to shorter terms.

Our Top Banking Guides:

  • Best Bank Account Bonuses
  • Best Free Personal Checking Accounts
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Featured Checking Promotions

While the following checking accounts don’t earn a high yield, there are welcome bonuses available. 

See the high yield checking offers further down below.

Earn $300 With TD Bank Beyond Checking Bonus – Ends 6/30/25 - You can pocket a cool $300 just by signing up for a new TD Bank Beyond Checking account! All you gotta do is sign up online and set up a direct deposit. The TD Beyond Checking account is TD Bank's… GET OFFER
Chase Checking Bonus, Chase Promotion Chase Checking Bonus: $300 Chase Total Checking® Offer [Nationwide] – Ends 7/16/2025 - Discover the latest Chase checking bonus offer: New customers can earn a $300 bonus by opening a qualifying Chase Total Checking® account and completing qualifying activities. Find current Chase Total Checking coupon codes and start enjoying your bonus today! Introduction:… GET OFFER
bank bonus offers BMO Checking Account $350 Cash Bonus* – Ends 5/2/25 - UPDATE: BONUS OFFERS ARE BEING UPDATED Looking for an easy way to earn a cash bonus* while opening a new checking account? Now’s the perfect time to consider BMO, as they are offering a $350 cash bonus* for new checking… GET OFFER
Moneysmylife Featured Image Bank Banking Offers Axos Bank Rewards Checking Up To $500 Welcome Bonus & 3.30% APY – Ended - Earn up to $500 for a new Rewards Checking account from Axos Bank with this promotion. Direct deposit will be required for this offer. Full details below! Axos Bank’s Rewards Checking account is a high-interest checking account with no monthly fees… GET OFFER

Best High-Yield Reward Checking Rates

Included are only those accounts that are available nationwide. Many of the best rates are currently available through credit unions. We only include ones where membership is available nationwide.

APY = Annual Percentage Rate

OnPath Federal Credit Union: Earn 7.00% APY With High-Yield Reward Checking

9 months ago | Categorized as: Bank Promotions

Louisiana's OnPath Federal Credit Union has recently launched its Rewards High-Yield Checking account, a promising option for savers. This account boasts an impressive 7.00% APY on qualifying balances up to $10,000, with a minimum opening deposit of just $25. This… GET OFFER

Signature FCU High Yield Checking Offer: 4.00% APY (Nationwide)

1 year ago | Categorized as: Banking

Signature Federal Credit Union offers very good rates for their High Yield Checking account. The offer is available nationwide via easy membership. Update 1/31/2024: The APY rate for Signature FCU increased to 4.00%. Signature Federal Credit Union (Signature FCU), with… GET OFFER

Andrews Federal Credit Union: 6% APY Top-Tier Kasasa Cash Checking

1 year ago | Categorized as: Bank Promotions

Andrews Federal Credit Union, based in Maryland, is now offering Kasasa Cash Checking, a high-yield reward checking account featuring an attractive 6.00% APY on qualifying balances up to $25k. Additionally, they offer a Kasasa Saver account with a 2.00% APY… GET OFFER

Pelican State Credit Union Kasasa Cash Rewards Checking Offer: 5.11% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

Pelican State Credit Union offers market-leading rates for their Kasasa Cash rewards checking account. See current rates below. Pelican State CU was established in 1956 and is headquartered in Baton Rouge, LA. They offer competitive rates for their reward checking… GET OFFER

Market USA FCU High Rate VIP Checking Platinum Tier Rate Offer: 4.50% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

Market USA FCU offers one of the most competitive high-yield checking rates. See current rates below. Update 5/28/23: Platinum Tier APY incrased from 4.00% to 4.50% Update 2/15/23: APY rates updated Market USA FCU is headquartered in Laurel, Maryland. They have locations… GET OFFER

Presidential Bank (MD) Advantage Checking Rate Offer: Up To 4.62% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

Presidential Bank (MD) offers competitive rates for their reward checking account. See current rates below. Update 5/28/23: APY rates updated from 4.625% and 3.625% to 4.62% and 3.62%. Update 2/27/23: APY rate increased from up to 4.25% to up to 4.625%. Update… GET OFFER

Redneck Bank Rewards Checking Earns 5.30% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

Redneck Bank offers competitive rates for their Rewards Checking account. See current rates below. Update 5/28/23: The APY rate increased from 4.80% to 5.30% Update 4/4/23: The APY rate increased from 4.50% to 4.80% Update 2/15/23: APY rate increased from… GET OFFER

All America Bank Ultimate Rewards Checking Offer: 5.30% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

All America Bank 's Ultimate Rewards personal checking account offers one of the best high-yield checking rates. See current rates below. Update 5/28/23: The APY rate increased from 4.80% to 5.30%. Update 4/4/23: The APY rate increased from 4.50% to… GET OFFER

Elements Financial High Interest Checking Rate Offer: Up To 5.00% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

Elements Financial offers competitive rates for their High Yield Interest Checking account. See current rates below. Elements Financial is headquartered in Indianapolis, Indiana. They have locations in Indiana only and was established in 1976. They offer one of the most attractive… GET OFFER

Parsons Federal Credit Union Kasasa Cash Offer: 3.00% APY (Nationwide)

2 years ago | Categorized as: Banking

Parsons FCU offers a competitive rate on its high-yield checking account. See current rates below. Update 2/15/23: Update rate offer qualifications. Parsons Federal Credit Union is headquartered in Pasadena, California. They were established in 1975. Membership in Parsons Federal Credit Union… GET OFFER

T-Mobile Money Checking Account Offer: Up To 4.00% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions, Banking

T-Mobile Money offers it's T-Mobile and Metro mobile customers one of the best rates on its high-yield checking account. See current rates below. T-Mobile Money is an internet-only banking service and has no branch locations. They are headquartered at 12920… GET OFFER

Securityplus Federal Credit Union Xceptional Checking Offer: 3.00% APY (Nationwide)

2 years ago | Categorized as: Banking

Securityplus Federal Credit Union offers a competitive rate on its high-yield checking account. See current rates below. Securityplus Federal Credit Union was established in 1938 and is headquartered in Baltimore, MD. They have locations in Maryland only. Their checking accounts are… GET OFFER

Oklahoma Central Credit Union Rewards Checking Offer: 3.00% APY (Nationwide)

2 years ago | Categorized as: Banking

Oklahoma Central Credit Union offers a competitive rate on its high-yield checking account. See current rates below. Oklahoma Central Credit Union was established in 1941 and is headquartered in Tulsa, OK. They have locations in Oklahoma only. Their checking accounts are available… GET OFFER

Lake Michigan CU Max Checking Rate Offer: 3.00% APY (Nationwide)

2 years ago | Categorized as: Banking

Lake Michigan Credit Union offers a competitive rate on its high-yield checking account. See current rates below. Lake Michigan Credit Union is headquartered in Grand Rapids, Michigan. They have locations in Florida and Michigan and were established in 1933. Their Max Checking… GET OFFER

Liberty Federal Credit Union Vertical Checking Offer: 3.45% APY (Nationwide)

2 years ago | Categorized as: Banking

Liberty FCU offers one of the most competitive high-yield checking rates. See current rates below. Liberty Federal Credit Union was previously known as Evansville Teachers FCU. They're a member-owned financial institution focused on returning value through innovative products and services.… GET OFFER

Department Of Commerce FCU Performance Checking Offer: 3.50% APY (Nationwide)

2 years ago | Categorized as: Banking

Department of Commerce FCU offers one of the best high-yield checking rates. See current rates below. DOCFCU is headquartered in Washington, DC. Membership in DOCFCU is open to all U.S. citizens and resident aliens through membership in the American Consumer… GET OFFER

Consumers Credit Union (IL) Free Rewards Checking Offer: 5.00% APY (Nationwide)

2 years ago | Categorized as: Bank Promotions

Consumers Credit Union (IL) offers competitive rates for their Rewards Checking account. See current rates below. Consumers CU was established in 1930 and is headquartered in Gurnee, Illinois. They have locations throughout Illinois. They offer competitive rates for their reward checking account. Membership… GET OFFER

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

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Tony Jay

Tony Jay

Hey there! I'm Tony, a personal finance enthusiast.

If you're looking to maximize your savings, I've got you covered. From exclusive banking promotions and investing bonuses, to exciting credit card offers, I'll keep you in the loop on the hottest deals in town.

Join me here at MoneysMyLife and let's embark on this adventure together. Contact me here.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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*Advertiser Disclosure: The credit card and banking offers that appear on this site are from credit card and banking companies from which MoneysMyLife.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MoneysMyLife.com does not include all credit card and banking companies or all available credit card and banking offers. This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. This site may be compensated through the bank advertiser Affiliate Program.

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