Internet - Interest Checking
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 |
|---|---|---|---|---|
| Chesapeake Bank - Clear Sky Accounts Rates as of Feb. 8th | 1.50% | $0 | $25,000 | Clear Sky Checking - Rate for balances up to $249,999 |
| Acacia Federal Savings Bank Online Rates as of Feb. 8th | 1.50% | $5,000 | $5,000 | Top Choice Checking |
| Chesapeake Bank - Clear Sky Accounts Rates as of Feb. 8th | 1.40% | $0 | $10,000 | Clear Sky Checking - Rate for balances up to $24,999 |
| ING Direct Rates as of Feb. 8th | 1.40% | $100,000 | $100,000 | Electric Orange |
| ING Direct Rates as of Feb. 8th | 1.35% | $50,000 | $50,000 | Electric Orange |
| Chesapeake Bank - Clear Sky Accounts Rates as of Feb. 8th | 1.30% | $1 | $1 | Clear Sky Checking - Rate for balances up to $9,999 |
| EverBank Rates as of Feb. 8th | 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 |
| State Farm Bank Rates as of Feb. 8th | 1.25% | $100 | $2,500 | Rates may vary by market area, rate disclosed based on NY market area |
| American Bank Online Rates as of Feb. 8th | 1.25% | $100 | $1,000 | American e-Checking - Rate disclosed is for balances under $9,999.99 |
| Ultima Bank Rates as of Feb. 8th | 1.11% | $0 | $100,000 | Ultima Checking |
| Quantum National Bank Rates as of Feb. 8th | 1.11% | $10,000 | $10,000 | Community Checking - Limited to Georgia customers only |
| Bank of Internet Rates as of Feb. 8th | 1.01% | $500 | $1 | High Interest Checking - Bal under $5000 has $7.50 monthly fee |
| Ascencia Bank Rates as of Feb. 8th | 1.00% | $50 | $0 | |
| American Chartered Bank Rates as of Feb. 8th | 1.00% | $50 | $50,000 | Wall Street Plus Checking - Tiered interest rates |
| Presidential Bank Rates as of Feb. 8th | 1.00% | $1,500 | $1,000 | Checking PLUS - APY on balances up to $25,000 |
| KeyBank Rates as of Feb. 8th | 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 |
| GCF Bank Rates as of Feb. 8th | 0.80% | $10,000 | $100,000 | Money Maker Checking |
| Century Bank Direct Rates as of Feb. 8th | 0.80% | $100 | $1 | High Interest Checking Account Online Checking |
| Salem Five Direct Rates as of Feb. 8th | 0.80% | $1 | $50,000 | eOne - Online applicants only, who do not have existing deposit accounts with Salem Five. |
| Salem Five Direct Rates as of Feb. 8th | 0.80% | $1 | $100,000 | eOne - Online applicants only, who do not have existing deposit accounts with Salem Five. |
| Evergreen Bank Group Rates as of Feb. 8th | 0.75% | $1,000 | $15,000 | Cornerstone Interest Checking - Direct deposit is required or a $10 monthly fee applies. |
| iGOBanking Rates as of Feb. 8th | 0.50% | $1 | $1 | Online Checking - iGOchecking |
| Carthage Savings and Loan Association Rates as of Feb. 8th | 0.50% | $25 | $2,500 | Wall Street Checking - tiered interest rate. Limited to local New York market area. |
| Tompkins Trust Company Rates as of Feb. 8th | 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 Feb. 8th | 0.40% | $0 | $50,000 | Premier Checking - Tiered interest rates. Rate may vary by location. Market area from Maine to Florida. |
| Community Bank, NA Rates as of Feb. 8th | 0.35% | $2,500 | $2,500 | Wall Street Checking - Limited to New York and Pennsylvania market area |
| Citibank Rates as of Feb. 8th | 0.30% | $500 | $1 | Citigold Interest Checking Account - Tiered interest rate, must apply online or by phone |
| Bank of America Rates as of Feb. 8th | 0.25% | $100 | $100,000 | Advantage with Tiered Interest Checking Account |
| First Niagara Rates as of Feb. 8th | 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 Feb. 8th | 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 Feb. 8th | 0.25% | $15 | $0 | NOW Personal |
| PNC Bank Rates as of Feb. 8th | 0.25% | $25 | $100,000 | Performance Interest Checking - tiered interest rate, rate based on New York market area, rate may vary by location |
| Rhinebeck Savings Bank Rates as of Feb. 8th | 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 Feb. 8th | 0.25% | $1,000 | $1,000 | NOW Account - Limited to local New York market area |
| Pioneer Bank Rates as of Feb. 8th | 0.20% | $5 | $500 | NOW Account - Limited to New York market area |
| Genesee Regional Bank Rates as of Feb. 8th | 0.20% | $25 | $1,000 | NOW Account - limited to local New York market area |
| Citizens Bank Rates as of Feb. 8th | 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 Feb. 8th | 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 Feb. 8th | 0.15% | $500 | $500 | Limited to local New York market area |
| Northwest Savings Bank Rates as of Feb. 8th | 0.10% | $1,000 | $1,000 | Interest Checking - Limited to local western New York market area |
| The Adirondack Trust Company Rates as of Feb. 8th | 0.10% | $500 | $0 | NOW Account |
| Astoria Federal Savings Bank Rates as of Feb. 8th | 0.10% | $100 | $2,500 | Ultra Checking |
| Chemung Canal Trust Company Rates as of Feb. 8th | 0.10% | $1,000 | $1,000 | NOW Account, limited to local New York market area |
| NBT Bank Rates as of Feb. 8th | 0.05% | $100 | $2,500 | Tiered interest rates, account limited to local New York market area |
| HSBC Bank Rates as of Feb. 8th | 0.01% | $1 | $5 | HSBC Premier Checking - online only |
| JPMorgan Chase Rates as of Feb. 8th | 0.01% | $25 | $1 | Chase Premier Checking - rate may vary by location |
* Annual Percentage Yield
