Henry 13's Content

Great find.

Definitely local (from their application site, one needs to come into the bank branch to complete the application).

Great bank with high rating (4* at Bankrate and 5* at Bauerfinancial). Very stable rate, perfect for Texas residents.

#27165 Pacific Crest Bank (WA)

Posted by Henry 13 on 25 March 2010 - 12:51 PM in Checking rates

Credit to Banking Guy (Ken):

http://www.pacificcr...E_105_A_2_E_280

#27134 Sun Trust (GA)

Posted by Henry 13 on 20 March 2010 - 01:43 PM in Checking rates

A bit complicated, but anything for a free $150 bonus.

https://www.suntrust...ion_detail.aspx

#27090 Southern Bank (MO)

Posted by Henry 13 on 15 March 2010 - 02:34 PM in Checking rates

I am surpirsed how long this 5.01% fat offer lasts (since 10/08 or earlier), especially considering that this RCA was open nation-wide previously. Even though it is fussy on the debit transactions (style and amount), it is still the best RCA around. It is now only local (MO/AR).

https://www.bankwithsouthern.com/

#27086 Fishback Financial (SD) EasyGrow Checking

Posted by Henry 13 on 11 March 2010 - 09:58 PM in Checking rates

Has online forms, seems nationally available. It also includes multiple banks such as First Bank and Trust (SD/MN).

https://easygrowchecking.com/

#27083 Commonwealth Bank and Trust

Posted by Henry 13 on 11 March 2010 - 03:13 PM in Checking rates

The $150 bonus is new, the Reward Checking exists for a while.

http://www.cbandt.com/switch.asp

#27074 Get 4.75% APY from Andrew Johnson Bank offers on its Sky High Checking

Posted by Henry 13 on 07 March 2010 - 08:38 PM in Checking rates

TN only, 20 debit transactions -- a bit too much.

#27067 4.50% APY on Extreme Checking Account at First Security Trust Bank

Posted by Henry 13 on 07 March 2010 - 02:27 PM in Checking rates

Sister bank of Commonwealth B&T; with no online application form.

#27056 Adams Bank and Trust ( Local: NE/CO)

Posted by Henry 13 on 06 March 2010 - 10:21 PM in Checking rates

25 debit transactions required, $7 monthly membership fee if requirements not met.

The trend is lower rate, lower limit, and/or higher debit transactions requirements.

http://www.abtbank.c...art_echeck.aspx

#27051 4.10% APY Rewards Checking account with First New England FCU East Hartford CT.

Posted by Henry 13 on 06 March 2010 - 05:15 PM in Checking rates

Up to $15K, can be opened nationally.

#27023 Sonoran Bank (AZ)

Posted by Henry 13 on 05 March 2010 - 02:13 PM in Checking rates

This is a great offer if you happen to live in AZ; highest rate (5.03%) for highest limit ($30K); plus great savings rate (3.01%) for all balances!

https://www.sonoranbank.com/home/home

#27012 BankGloucester

Posted by Henry 13 on 04 March 2010 - 09:14 AM in Massachusetts

Great CD rate (3.34%, 60 months, $50K). Great Reward Checking (4%, $25K, ten debit tansactions/ACH, free checks). Great customer service!!

#27011 Endura Financial Gives 4.5% APY on Rewards Checking Account

Posted by Henry 13 on 04 March 2010 - 07:52 AM in Checking rates

This is a credit union, thus it is membership vs. locality.

"Membership is open to anyone who lives, works, worships or attends school in any of the of the following Minnesota cities: Brooklyn Center, Crystal, Golden Valley, Hopkins, Minneapolis, New Hope, Robbinsdale and St. Louis Park. It also includes those in Jackson County, Missouri." The SEP (Selected Employee Group) is extremely limited (only one company).

Thus in short, don't bother if you are not lucky enough to live in those eight cities in MN or Jackson County (MO).

Further, it is not a new offer, it was offered on 12/19/2008.

#27000 Southern Bank Offers 5.01% APY on a Checking Account: Mo/Ar Residents Only

Posted by Henry 13 on 03 March 2010 - 08:23 PM in Checking rates

Just to add: They are pretty fussy on the type of debit transactions, they have to cover every-day expenses (e.g., supermarket, restanrant) with high aomunt (say $10 per transaction). They send out warning letters if they are not happy with ones' charging pattern. Other than That, I am surprised that they are still in the 5% club since they once were open to national applicants.

#26997 Public Service Credit Union's Smart Checking offers 5.50% APY on balances...

Posted by Henry 13 on 03 March 2010 - 05:21 PM in Checking rates

3%, $40K now.

#26996 West Bank (Iowa)

Posted by Henry 13 on 03 March 2010 - 04:02 PM in Checking rates

West Bank (Iowa) still holds a (4%, $30K limit) RCA, even though it is limited to Iowa Residents and one account per SSN. They recently upgrade their BillPay system, which seems to be checkfree-based. The 12 debit transactions need to be non-pin credit transactions. No-pin transactions are safer anyway.

http://www.westbanki...ard_me_checking

Grow Financial Credit Union in St. Petersburg Florida is offering a personal checking account with a $0 minimum deposit, with an APR of 3.0%. Over $5000 the APR is 0.25%

Not that attarctive, still 12 debit transactions and a minimum of $500 (salary) direct deposit.