Easily compare interest checking accounts in our table below.
Easily compare interest and reward checking account rates in our table below. We regularly collect the best rates from over 200 banks and show banks' best rates side-by-side so you can choose which is best for you.
Customize your selection by different zip code. RateAPY.com makes it easy to compare the best rates! All of these bank checking accounts are FDIC-insured up to $250,000 per depositor.
| Institution | APY | Min. Dep. | Min. To Earn APY | Details |
|---|---|---|---|---|
| Incredible Bank Rates as of Mar. 19th | 1.74% | $1,000 | $0 | |
| Acacia Federal Savings Bank Online Rates as of Mar. 19th | 1.50% | $5,000 | $5,000 | Top Choice Checking |
| Chesapeake Bank - Clear Sky Accounts Rates as of Mar. 19th | 1.45% | $0 | $25,000 | Clear Sky Checking - Rate for balances up to $249,999 |
| Chesapeake Bank - Clear Sky Accounts Rates as of Mar. 19th | 1.35% | $0 | $10,000 | Clear Sky Checking - Rate for balances up to $24,999 |
| EverBank Rates as of Mar. 19th | 1.26% | $1,500 | $100,000 | New Account bonus rate - Freenet Checking - 2.25% first 3 months, 1.51% - 1.26% 1st year APY for account balances $100K and over |
| Chesapeake Bank - Clear Sky Accounts Rates as of Mar. 19th | 1.25% | $1 | $1 | Clear Sky Checking - Rate for balances up to $9,999 |
| ING Direct Rates as of Mar. 19th | 1.25% | $100,000 | $100,000 | Electric Orange |
| American Bank Online Rates as of Mar. 19th | 1.25% | $100 | $1,000 | American e-Checking - Rate disclosed is for balances under $9,999.99 |
| ING Direct Rates as of Mar. 19th | 1.20% | $50,000 | $50,000 | Electric Orange |
| Ultima Bank Rates as of Mar. 19th | 1.11% | $0 | $100,000 | Ultima Checking |
| State Farm Bank Rates as of Mar. 19th | 1.10% | $100 | $2,500 | Rates may vary by market area, rate disclosed based on NY market area |
| Quantum National Bank Rates as of Mar. 19th | 1.01% | $10,000 | $10,000 | Community Checking - Limited to Georgia customers only |
| Bank of Internet Rates as of Mar. 19th | 1.01% | $500 | $1 | High Interest Checking - Bal under $5000 has $7.50 monthly fee |
| Ascencia Bank Rates as of Mar. 19th | 1.00% | $50 | $0 | |
| American Chartered Bank Rates as of Mar. 19th | 1.00% | $50 | $50,000 | Wall Street Plus Checking - Tiered interest rates |
| Presidential Bank Rates as of Mar. 19th | 1.00% | $1,500 | $1,000 | Checking PLUS - APY on balances up to $25,000 |
| KeyBank Rates as of Mar. 19th | 1.00% | $50 | $25,000 | Key Privilege Select Checking - Relationship Checking with Sweep Option. Rates may vary by location. Available in AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, WA |
| Sterling Bank Rates as of Mar. 19th | 0.85% | $5,000 | $5,000 | Sterling Platinum NOW (www.sterlingnj.com) |
| GCF Bank Rates as of Mar. 19th | 0.80% | $10,000 | $100,000 | Money Maker Checking |
| Century Bank Direct Rates as of Mar. 19th | 0.80% | $100 | $1 | High Interest Checking Account Online Checking |
| Evergreen Bank Group Rates as of Mar. 19th | 0.75% | $1,000 | $15,000 | Cornerstone Interest Checking - Direct deposit is required or a $10 monthly fee applies. |
| Salem Five Direct Rates as of Mar. 19th | 0.65% | $1 | $50,000 | eOne - Online applicants only, who do not have existing deposit accounts with Salem Five. |
| Salem Five Direct Rates as of Mar. 19th | 0.65% | $1 | $100,000 | eOne - Online applicants only, who do not have existing deposit accounts with Salem Five. |
| iGOBanking Rates as of Mar. 19th | 0.50% | $1 | $1 | Online Checking - iGOchecking |
| Carthage Savings and Loan Association Rates as of Mar. 19th | 0.50% | $25 | $2,500 | Wall Street Checking - tiered interest rate. Limited to local New York market area. |
| Tompkins Trust Company Rates as of Mar. 19th | 0.40% | $2,500 | $50,000 | True Advantage Checking Plus - Tiered interest rate, limited to local New York market area |
| TD Bank Rates as of Mar. 19th | 0.40% | $0 | $50,000 | Premier Checking - Tiered interest rates. Rate may vary by location. Market area from Maine to Florida. |
| Citibank Rates as of Mar. 19th | 0.30% | $500 | $1 | Citigold Interest Checking Account - Tiered interest rate, must apply online or by phone |
| Community Bank, NA Rates as of Mar. 19th | 0.30% | $2,500 | $2,500 | Wall Street Checking - Limited to New York and Pennsylvania market area |
| Bank of America Rates as of Mar. 19th | 0.25% | $100 | $100,000 | Advantage with Tiered Interest Checking Account |
| First Niagara Rates as of Mar. 19th | 0.25% | $2,500 | $100,000 | Prestige Checking - Tiered rates. Rate listed is available for new accounts opened at branch locations. Rate may vary by market area. |
| M and T Bank Rates as of Mar. 19th | 0.25% | $1 | $50,000 | Power Checking - Tiered rates, account must be designated as your Web bill Pay billing account. Geographic restrictions, rate and products may vary by location, rate disclosed is based on NY market area |
| Solvay Bank Rates as of Mar. 19th | 0.25% | $15 | $0 | NOW Personal |
| Rhinebeck Savings Bank Rates as of Mar. 19th | 0.25% | $2,500 | $10,000 | Priorty Elite Relationship Checking - Tiered interest rates, APY up to $99,999.99 |
| Peoples National Bank Rates as of Mar. 19th | 0.25% | $1,000 | $1,000 | NOW Account - Limited to New York market area |
| Pioneer Bank Rates as of Mar. 19th | 0.20% | $5 | $500 | NOW Account - Limited to New York market area |
| Genesee Regional Bank Rates as of Mar. 19th | 0.20% | $25 | $1,000 | NOW Account - Limited to New York market area |
| PNC Bank Rates as of Mar. 19th | 0.20% | $25 | $100,000 | Performance Interest Checking - tiered interest rate, rate based on New York market area, rate may vary by location |
| Citizens Bank Rates as of Mar. 19th | 0.15% | $250 | $1 | Circle Gold Checking with Interest - rate applies to new accounts, NY - Albany region. Rate may vary by region. Market area - NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT. |
| Trustco Bank Rates as of Mar. 19th | 0.15% | $25 | $500 | Free Interest Checking - Rate based on New York market area, rate may vary by location, market areas FL, NY, MA, NJ, VT |
| First National Bank of Groton Rates as of Mar. 19th | 0.15% | $500 | $500 | Limited to local New York market area |
| Northwest Savings Bank Rates as of Mar. 19th | 0.10% | $1,000 | $1,000 | Interest Checking - Limited to local western New York market area |
| The Adirondack Trust Company Rates as of Mar. 19th | 0.10% | $500 | $0 | NOW Account |
| Astoria Federal Savings Bank Rates as of Mar. 19th | 0.10% | $100 | $2,500 | Ultra Checking |
| Chemung Canal Trust Company Rates as of Mar. 19th | 0.05% | $1,000 | $1,000 | NOW Account, limited to local New York market area |
| NBT Bank Rates as of Mar. 19th | 0.05% | $100 | $2,500 | Tiered interest rates, account limited to local New York market area |
| HSBC Bank Rates as of Mar. 19th | 0.01% | $1 | $5 | HSBC Premier Checking - online only |
| JPMorgan Chase Rates as of Mar. 19th | 0.01% | $25 | $1 | Chase Premier Checking - rate may vary by location |
