Best Nationally Available Reward Checking Accounts, June 8, 2026
Deposit Diary Daily #755
What’s Happening
The Department of Commerce Federal Credit Union has replaced its Performance Checking with the new Advantage Checking, which offers higher APYs and increased balance caps.
While the now-defunct Performance Checking required a direct deposit (no minimum), the Advantage Checking offers an additional option: “At least 1 direct deposit or ACH Credit transaction of $500 or more.”
New Additions
Thanks to the eagle-eye of Deposit Quest subscriber, Craig, there are three additions to RCA Summary.
Bonus Checking Plus • 8.30% (up to $10k), 0.05% ($10k+)
15+ debit or credit card purchases, direct deposit(s) ($1k min), eStatements, $6.95 monthly fee (non-waivable)
Bonus Checking • 4.07% (up to $25k), 0.05% ($25k+)
15+ debit or credit card purchases, direct deposit(s) ($1k min), eStatements, $5.95 monthly fee (non-waivable)
Cash Back Checking Account* • 6.00% (up to $15k), 0.15% ($15k+)
12+ debit card purchases, 1 direct deposit ($500 min) or 3 SecureLink Bill Pay transactions
*Despite its name, the Cash Back Checking Account is not a “cash back” account but definitely a reward checking account.
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
Best Nationally Available RCAs
Below is a sampling of the best nationally available RCAs. A comprehensive spreadsheet consisting of 75 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
Bonus Checking Plus • 8.30% (up to $10k), 0.05% ($10k+)
15+ debit or credit card purchases, direct deposit(s) ($1k min), eStatements, $6.95 monthly fee (non-waivable)
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
Cash Back Checking Account • 6.00% (up to $15k), 0.15% ($15k+)
12+ debit card purchases, 1 direct deposit ($500 min) or 3 SecureLink Bill Pay transactions
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 75 nationally available RCAs. The links go to either the RCA landing page or the bank/credit union rates page.
