Best Nationally Available Reward Checking Accounts, April 13, 2026
Deposit Diary Daily #697
What’s Happening
Pelican State Credit Union has replaced its Kasasa Cash account with a new RCA called Stack Checking. The 4.11% (up to $20k) is still in effect, but the secondary rate has changed from 1.00% ($20k+) to 2.50% ($20k-$50k). The monthly qualifying requirements have remained the same.
Current Cash Bonuses
Go Green Checking • 5.00% (up to $25k), 0.10% ($25k+)
7+ electronic withdrawals, direct deposit ($500 min)
debit card purchases of $500+, direct deposit/mobile deposit $500 min, eStatements
$150 cash bonus when opening a first-time checking account with direct deposit
TruStone Financial Credit Union
TruRate Checking • 4.00% (up to $20k), 0.10% ($20k+)
7+ electronic withdrawals, direct deposit ($500 min)
12+ debit/credit card purchases, eStatements, $20k minimum opening deposit
Bonus up to $500 when opening a first-time checking account based on direct deposit amount (expires 12/31/2026):
$200 cash back for direct deposit of at least $1,000
$300 cash back if direct deposit reaches $2,500
$450 cash back if direct deposit reaches $5,000
$50 cash back for enrolling in e-statements
Changes
Newly Added
High Rate Checking • 6.00% (up to $10k), 0.15% ($10k+)
12+ debit signature swipes, eStatements
Rate Decreases
Xtraordinary Checking • 4.50% (▼50 bps) (up to $25k), 0.25% ($25k+)
15+ debit card purchases OR $500+ in debit card spending, direct deposit OR ACH deposit ($500 min), eStatements
Transportation Federal Credit Union
Xcelerate High-Yield Checking • 4.00% (▼50 bps) (up to $25k), 0.50% ($25k+)
15+ debit card or digital wallet transactions, at least 1 ACH or direct deposit, eStatements
Premier Checking • 3.75% (▼25 bps) (up to $25k), 0.10% ($25k+)
no requirements
If my work helps, you can support it here.
Top RCAs
Below is a sampling of the best nationally available RCAs. A comprehensive spreadsheet consisting of 72 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
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
Kasasa Cash® Checking • 5.25% (up to $25k), 0% ($25k+)
15+ debit card purchases, at least 1 direct deposit or ACH, eStatements
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
American Rewards Checking • 5.00% (up to $100k), 0.50% ($100k+)
12 debit card purchases OR at least 7 ACH debits and/or direct deposits, eStatements
Balance Caps Less than $20k
Genisys High Yield Checking • 6.75% (up to $7.5k), 0.05% ($7.5k+)
10+ debit card purchases ($5 min each), eStatements
La Capitol Federal Credit Union
Choice Checking • 6.50% (up to $10k), 0.74% ($10k+)
15+ debit card purchases, 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
Rewards High-Yield Checking • 6.00% (up to $10k), 0.50% ($10k+)
15+ debit card purchases, eStatements, online or mobile banking
High Rate Checking • 6.00% (up to $10k), 0.15% ($10k+)
12+ debit signature swipes, eStatements
Spreadsheet
The attached updated spreadsheet lists 72 nationally available RCAs. The links go to either the RCA landing page or the bank/credit union rates page.
