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Institution Contact APY /
Min to Earn		 Promo APY /
Min to Earn		 Promo Term Special Features Notes
Provident Credit Union 2.26% / $ 1 2.26% / $ 1     You must use your Visa Checking Card at least 10 times per statement cycle. Have direct deposit or an automatic deposit and you must receive eStatements. If these are not met, no interest will be paid.
Bank of the Sierra 1.27% / $ 1 1.27% / $ 1     Must have direct deposit, make a minimum of 12 Check Card purchases per month, Make at least one bill payment online and receive eStatements. If monthly qualifications are not met, you earn .12% APY
FNBO Direct 0.65% / $500 0.65% / $500    
Luther Burbank Savings 0.30% / $ 1 0.30% / $ 1    
Capital One Direct Banking 0.20% / $ 1 0.20% / $ 1    
ING DIRECT 0.20% / $ 1 0.20% / $ 1    
Giantbank.com 0.20% / $1000 0.20% / $1000    
Citibank 0.10% / $ 1 0.10% / $ 1     Must have at least $100K combined in loans or deposits or $250K+ in mortgage.
Northern Trust 0.10% / $ 1 0.10% / $ 1    
Nationwide Bank 0.10% / $ 1 0.10% / $ 1    
Fremont Bank 0.05% / $ 1 0.05% / $ 1    
Bank of America 0.05% / $ 1 0.05% / $ 1    
First Bank 0.05% / $ 1 0.05% / $ 1    
Oak Valley Community Bank 0.05% / $250 0.05% / $250    
Bank of Marin 0.05% / $100 0.05% / $100    
California Bank & Trust 0.05% / $ 1 0.05% / $ 1    
E*TRADE Bank 0.05% / $ 1 0.05% / $ 1    
Ameriprise Bank FSB 0.05% / $ 1 0.05% / $ 1    
Bank of the West 0.03% / $ 1 0.03% / $ 1    
U.S. Bank 0.01% / $ 1 0.01% / $ 1     Must have a Package Money Market Account and/or a US Bank Credit Card.
Westamerica Bank 0.01% / $1000 0.01% / $1000    
Chase 0.01% / $ 1 0.01% / $ 1    
Chase 0.01% / $ 1 0.01% / $ 1    
HSBC Advance 0.01% / $ 5 0.01% / $ 5    
Wells Fargo Bank 0.01% / $ 1 0.01% / $ 1    
Mechanics Bank 0.01% / $ 1 0.01% / $ 1    
Union Bank 0.01% / $ 1 0.01% / $ 1    

Checking Rates

Checking Account Rates: Search and compare the best bank checking interest rates and credit union checking rates. Our checking rates and checking yields tables contain dozes of checking accounts with the best rates. Whether you're interested in online checking accounts, free checking accounts, reward checking accounts, high yield checking or student checking accounts you can find a list of accounts in your state and city. You can short by checking account rates and annual percentage yield. Promotional checking accounts and promotional checking rates are also listed when available.

Free Checking Accounts

There are many banks and credit unions offering free checking accounts. A free checking account is an account that offers account holders an inexpensive way to bank. Banks and credit unions offer free checking accounts and free online checking accounts. When comparing free accounts be sure to read the fine print. Some banks and credit unions require you to have a certain amount of transactions on a monthly basis to get free checking.

Online Checking Accounts

An online checking account is a banking account where most if not all your transactions are done online. Doing your banking online is a great way to save time and engery. You can pay bills online and transfer money into or out of your account. Online checking accounts also give you the ability to get a better rate. Banks and credit unions now have to compete nationally giving consumers better rates and yields. The best thing is you shop for rates online.

Rewards Checking Accounts

A rewards checking account usually gives the account holder a higher interest rate. Though in order to earn the rewards rate you have do to a certain number of transactions per month. Transactions can include direct deposit, debit card transactions or direct online bill payment. You can check local banks and credit unions or an rewards rate. You can also check bank rewards rates and credit union rewards rates across the country.

Bank Checking Accounts

Most banks and national banks offer a very low rate on a checking account which is why most people keep a low checking account balance.

Credit Union Checking Accounts

Credit unions and credit unions any where offer a better checking account rate than banks offer. To open a checking account at a credit union you'll also have to join the credit union which requires you to also open a saving account. At RatesORama.com you can get the Best CD Rates by searching their CD Rates list, find today's mortgage rates from several lenders by searching their Mortgage Rates list and Savings Account Rates by searching their savings account rate lists.



Checking Rates By State



Houston Texas Checking Accounts: Finding the Best Checking Account Rates in Houston

Finding the best checking account rates in Houston, Texas can be easily done by searching our Houston, TX checking account rate table. On our Houston checking rate tables we list regular checking accounts, online checking accounts and rewards checking accounts.

The current highest reward checking account rate on our list in Houston is from now Amegy Bank of Texas. The current rewards checking rate at Amegy Bank is 2.00 percent with a rewards checking account yield of 2.02 percent. As with any rewards checking accounts there are monthly requirements that have to be met to earn the rewards rate and yield.

Second on our list of the best checking account rates in Houston is another rewards checking account from Legacy Bank of Texas. The bank’s current rewards checking rate is 1.98 percent with a rewards checking yield of 2.00 percent.

The highest non rewards checking account rate is from FNBO Direct. The bank’s current Online Bill Pay checking account rate is 1.09 percent with a checking interest yield of 1.10 percent.   

Best Checking Account Rates in Houston, Texas

  • Amegy Bank of Texas Checking Rate 2.00% Checking Yield 2.02% Min $ 1 – Requirements: Must have direct deposit of payroll, social security check or retirement benefits. Online banking at least once a month. Receive e-statements. Make at least 10 signature based purchases with your Amegy Check card every month.
  • Legacy Bank of Texas Checking Account Rate 1.98% Checking Account Yield 2.00% Min $ 1 – Requirements: Must have 12 MasterCard debit card transaction per month (excluding ATM transaction), receive electronic statements, must have direct deposits.
  • FNBO Direct Checking Account Rate 1.09% Checking Yield 1.10% Min $500   
  • Capital One Direct Banking Rate 1.01% Banking Yield 1.01% Min $ 1   
  • Flagstar Bank Checking Rate 0.85% Checking Yield 0.85%  Min $ 1   
  • First Internet Bank of IN Checking 0.75% Yield 0.75% Min $500   
  • Bank of Internet USA Check Account Rate 0.71% Check Yield 0.71% Min $ 1   
  • Salem Five Direct Rates 0.60% Yields 0.60% Min $ 1   
  • EverBank Rates 0.51% Yields 0.51% Min $ 1 Intro Rate-3, New Money Required 
  • Ally Bank Checking 0.50% Yield 0.50% Min $ 1   
  • MetroBank Checking Rate 0.50% Checking Yield 0.50% Min $ 1  

Find current checking rates in Houston, Dallas, Austin or any other City or town in Texas by searching our checking tables.

 
Author: Checking Account Rates
December 23rd, 2010

Hoboken, New Jersey Checking Account Rates

The best checking account rate on our Hoboken, New Jersey checking account rate table is from Kearney Federal Savings Bank. The highest checking rate is actually a rewards checking account with account restrictions that have to be met every month. The current rewards checking account APY is 2.51 percent. If you fail to meet the requirements the checking account APY is only 0.05 percent.

The highest checking account rate on our Hoboken, NJ list that doesn’t have any monthly requirement is from FNBO direct. FNBO Direct’s current Online BillPay checking account rate is 1.09 percent with a checking interest yield of 1.10 percent.  This checking rate is higher than most 12 month CD rates and savings account rates these days.

Hoboken, New Jersey Checking Account Rates and Checking Account Yields

  • Kearney Federal Savings Bank Checking Account Rates 2.51% Checking Account Yields 2.48% Min $ 1   
  • FNBO Direct Checking Account Rates 1.10% Checking Account Yields 1.09% Min $500   
  • Capital One Direct Banking Checking Rates 1.01% Checking Account Yields 1.01% Min $ 1   
  • Flagstar Bank Checking Rates 0.85% Checking Account Yields 0.85% Min $ 1   
  • First Internet Bank of IN Checking Rate 0.75% Checking Account Yields 0.75% Min $500   
  • Bank of Internet USA Checking Rate 0.71% Checking Account Yields 0.71% Min $ 1   
  • Salem Five Direct Rates 0.60% Checking Account Yields 0.60% Min $ 1   
  • EverBank Checking Rate 0.51% Checking Account Yields 0.51% Min $ 1   
  • Ally Bank Checking Rates 0.50% Checking Account Yields 0.50% Min $ 1   
  • Haven Savings Bank Checking Rates 0.50% Checking Account Yields 0.50% Min $1000   
  • Hudson City Savings Bank Checking Rates 0.50% Checking Account Yields 0.50% Min $ 10   
  • Boiling Springs Savings Bank Checking Rates 0.50% Checking Account Yields 0.50% Min $ 1   
  • Manasquan Saving Bank Checking Rate 0.50% Checking Account Yields 0.50% Min $ 1   
  • Oritani Savings Checking Rates 0.50% Checking Account Yields 0.50% Min $1000   
  • Columbia Bank Checking Rates 0.40% Checking Account Yields 0.40% Min $ 1   
  • ING DIRECT Checking Rates 0.25% Checking Account Yields 0.25% Min $ 1   
  • Giantbank.com Rates 0.25% Checking Account Yields 0.25% Min $1000   
  • Community Bank of Bergen County Checking Rates 0.25% Checking Account Yields 0.25% Min $ 1 

 
Author: Checking Account Rates
December 20th, 2010
Data provided by Informa Research Services, Inc.
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