Deposit Diary Daily #298
Best Nationally Available Reward Checking Accounts, 17 March 2025
What’s Happening
Jovia Financial Credit Union and TruStone Financial Credit Union are both offering a $150 cash bonus when a checking account for the first time.
Offer available for new, first-time Go Green and CareFree Checking accounts.
Must have a qualifying recurring direct deposit of at least $500 in the checking account.
The qualifying direct deposit must credit the account three (3) times within ninety (90) days of account opening.
Must be your first checking account with Jovia Financial Credit union.
Members with current or prior checking accounts are not eligible for the cash bonus.
Must enroll in paperless statements.
Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension, or government payments (such as Social Security).
Cash bonus will post automatically to the members’ checking account 30 days after requirements are met and will be reported as income on IRS form 1099-INT.
TruStone Financial Credit Union
Offer valid 1/1/25-5/31/25.
Only one account per membership is eligible and member must not have a current or prior checking account with TruStone.
Allow up to 90 days from account opening for cash back deposit.
Recipient is responsible for applicable taxes.
Earn cash back for the following actions within 60 days of account opening:
1) $100 cash back for direct deposit of at least$1,000
2) $50 cash back for enrolling in e-statements.
Recent Rate Changes
Northwest Federal Credit Union • 5.00% (▲100 bps) (up to $25k) • Dividend Rewards Checking • required monthly debit card purchases increased from 12 to 20
La Capitol Federal Credit Union • 5.75% (▼50 bps) (up to $10k) • Choice Checking
Top RCAs
Below is a sampling of the best RCAs currently available on a nationwide basis. A comprehensive spreadsheet consisting of 55 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 • 6.00% (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 • 5.35% (up to $25k), 0.25% ($25k+)
15+ debit card transactions and using step tracker app and averaging 10k steps/daily
Kasasa Cash® Checking • 5.00% (↓100 bps) (up to $25k), 0.499% ($25k+)
15+ debit card purchases, 1 direct deposit or ACH credit transaction, e-Statements
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
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% (▼50 bps) (up to $10k), 0.72% ($10k+)
15+ debit card purchases, eStatements
Garden Savings Federal Credit Union
Platinum Checking • 5.12% (up to $15k), 0.15% ($15k+)
12+ debit card purchases (min $5 each), direct deposit or ACH payment, eStatements
Spreadsheet
The attached updated spreadsheet lists 55 nationally available RCAs.
