Best Nationally Available Reward Checking Accounts,13 October 2025
Deposit Diary Daily #511
What’s Happening
Newly Added Accounts
Sandia Area Federal Credit Union
Peak Plus High-Yield Checking • 5.25% (up to $15k), 0.50% ($15k+)
15+ debit card purchases, one direct deposit or ACH, eStatements
Checking Plus • 3.75% (up to $15k)
15+ debit card purchases, direct deposits of at least $1k, eStatements
Restructured Account
Veridian Credit Union has revamped its RCA and now offers two separate accounts.
Premium Plus Checking • 4.00% (▲100 bps) (up to $20k), 0.15% ($20k+)
15+ credit card purchases (averaging $10 each), direct deposit ($250 min), eDocs (mobile or online banking)
and
Premium Checking • 3.00% (up to $15k, ▼$5k), 0.15% ($15k+)
15+ debit card purchases (averaging $10 each), direct deposit ($250 min), eDocs (mobile or online banking)
Rate Decrease
Community Advantage Checking • 4.00% (▼50 bps) (up to $20k), 0.25% ($20k+)
15+ debit card transactions, at least 1 ACH (debit or credit), online banking, $1.5k min daily balance
Account Removal, Rate Drop
High Yield Checking • 1.00% (▼200 bps) (up to $10k), 0.10% ($10k+)
12+ debit card purchases ($5 min each), direct deposit or ACH withdrawal ($500 min), eStatements
Expired Cash Bonuses
Connexus Credit Union • $300 bonus when opening a new Xtraordinary Checking account
Skyla Credit Union • $100 bonus for setting up direct deposit to a Simply Prosper Checking account
Top RCAs
Below is a sampling of the best nationally available RCAs. A comprehensive spreadsheet consisting of 62 RCAs is attached at the bottom of this post.
Balance Caps of $20k and Above
Kasasa Cash® Checking • 6.00% (up to $25k), 0.75% ($25k+)
12+ PIN/signature debit card purchases, at least 1 direct deposit, ACH credit, ACH payment, or Bill pay
Kasasa Cash® Checking • 5.50% (▼50 bps) (up to $25k), 0% ($25k+)
15+ debit card purchases, at least 1 direct deposit or ACH, eStatements
Free Kasasa Cash® Checking • 5.50% (up to $25k), 0.50% ($25k+)
15+ debit card purchases, at least 1 ACH credit or ACH payment transaction, eStatements
Elite Checking Account • 5.25% (▼10 bps) (up to $25k), 0.25% ($25k+)
15+ debit card transactions and using step tracker app and averaging 10k steps/daily
Preferred Checking • 5.12% (up to $20k), 0.25% ($20k+)
15+ debit card purchases, direct deposits of at least $900, online statements, online or mobile banking
Balance Caps Less than $20k
Rewards High-Yield Checking • 7.00% (up to $10k), 0.50% ($10k+)
15+ debit card purchases, eStatements, online or mobile banking
Genisys High Yield Checking • 6.75% (up to $7.5k), 0.05% ($7.5k+)
10+ debit card purchases ($5 min each), eStatements
Free Kasasa Cash® Checking • 6.00% (up to $15k), 0.20% ($15k+)
12+ debit card purchases, at least one monthly direct deposit/ACH credit and/or debit, eStatements
Momentum Checking with Rewards • 6.00% (up to $10k), 3.00% ($10k-$50k)
15+ debit card transactions
La Capitol Federal Credit Union
Choice Checking • 5.75% (up to $10k), 0.72% ($10k+)
15+ debit card purchases, eStatements
Spreadsheet
The attached updated spreadsheet lists 62 nationally available RCAs.
