Earn Up To 4.75% With Reward Checking

High-yield checking accounts aren’t as high-yield as they used to be.

Just a year ago savers had their choice of great-paying, nationally available reward checking offers that paid 5% or better.

Now you’ll have to settle for earning 4% or better.

But any high-yield account that makes our rankings is going to be a far more lucrative investment than any certificate of deposit.

Just check our CD Rates Leaderboard For August 2 and you’ll see what we mean.

You can earn 4.75% APY on balances up to:

$25,000 with Extra-Mile Choice High-Interest Checking from Randolph Bank, with seven branches in the greater Asheboro, N.C. area, and you can now apply online.

You can earn 4.01% APY on balances up to:

$25,000 with My Great Rate Checking from First Clover Leaf Bank, with three branches in Edwardsville, Ill., and one in Wood River — all just across the river from St. Louis.

$25,000 in the Free Rewards checking account from Danversbank, which has 30 branches in the Boston area.

$10,000 with a Smart Checking account at Capital Bank, which has 32 branches in North Carolina.

You can earn 4.00% APY on balances up to:

$10,000 in a Reward Checking account from AmericaNet Bank and Evantage Bank, two online banks owned by the same Oklahoma banking family.

These banks have the most lenient requirements to earn your rewards. You need to make 10 check card sales transactions per month and receive your statements electronically. That’s it.

If you’re unfamiliar with how these accounts work, “The ABCs of High-Yield Checking Accounts” will explain all of the rules.

All of the accounts in our rankings are open to savers in all 50 states and can be opened online.