Best High Yield Reward Checking Rates Nationwide March 2023

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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.

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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.

Chase Total Checking® Account $200 Bonus Offer [Nationwide] – Ends 4/19/2023

January 16, 2023 10:54 pm CST

Here, you can find Chase Total Checking® coupon bonuses and new deals. Offers of $150, $200, and $300 have usually...

March 1, 2023 11:11 pm CST

U.S. Bank (usbank.com) has a few checking account options, including a standard account and one for customers who only use debit cards...

January 26, 2023 4:37 am CST

Find the latest promotions and bonus money offers for Bank of America Advantage Banking here. Currently, you can earn a...

Moneysmylife Featured Image Bank Banking Offers

January 19, 2023 10:31 am CST

Earn either a $200 bonus or a $350 bonus for a new checking account from BMO Harris. Direct deposit will...

TD Bank $300 Bonus for Beyond Checking Account

March 14, 2023 11:56 pm CDT

Earn a $300 bonus when you sign up for a new TD Bank Beyond Checking account. Direct deposit will be...

March 1, 2023 10:56 am CST

Earn a $100 bonus for a new Rewards Checking account with this offer from Axos Bank. The account is available...

THE BEST HIGH-YIELD REWARD CHECKING ACCOUNT 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

Bank Promotions

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

March 1, 2023 7:14 pm CST

Elements Financial offers competitive rates for their High Yield Interest Checking account. See current rates below. Elements Financial is headquartered in...

Bank Promotions

Presidential Bank (MD) Advantage Checking Rate Offer: Up To 4.625% APY (Nationwide)

February 27, 2023 9:50 pm CST

Presidential Bank (MD) offers competitive rates for their reward checking account. See current rates below. Update 2/27/23: APY rate increased from up...

Bank Promotions

Redneck Bank Rewards Checking Earns 4.50% APY (Nationwide)

February 15, 2023 3:50 am CST

Redneck Bank offers competitive rates for their Rewards Checking account. See current rates below. Update 2/15/23: APY rate increased from...

Bank Promotions

Market USA FCU High Rate VIP Checking Platinum Tier Rate Offer: 4.00% APY (Nationwide)

February 15, 2023 3:44 am CST

Market USA FCU offers one of the most competitive high-yield checking rates. See current rates below. Update 2/15/23: APY rates updated Market...

Bank Promotions

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

February 15, 2023 3:16 am CST

Parsons FCU offers a competitive rate on its high-yield checking account. See current rates below. Update 2/15/23: Update rate offer...

Bank Promotions

All America Bank Ultimate Rewards Checking Offer: 4.50% APY (Nationwide)

February 15, 2023 3:09 am CST

All America Bank 's Ultimate Rewards personal checking account offers one of the best high-yield checking rates. See current rates...

Bank Promotions

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

December 20, 2022 7:44 pm CST

Consumers Credit Union (IL) offers competitive rates for their Rewards Checking account. See current rates below. Consumers CU was established in...

Bank Promotions

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

December 20, 2022 7:18 pm CST

Oklahoma Central Credit Union offers a competitive rate on its high-yield checking account. See current rates below. Oklahoma Central Credit Union was...

Bank Promotions

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

December 20, 2022 7:30 pm CST

Securityplus Federal Credit Union offers a competitive rate on its high-yield checking account. See current rates below. Securityplus Federal Credit Union...