Deposit Diary Daily #333

Best Nationally Available Reward Checking Accounts, 21 April 2025

What’s Happening

Jovia Financial Credit Union and TruStone Financial Credit Union are continuing to offer a $150 cash bonus when opening a checking account for the first time. (Details available in an earlier Reward Checking Accounts post.)

Expedition Credit Union is offering a $200 bonus on its Free Rewards Checking account and First Tech Federal Credit Union a $50 bonus or $300 bonus on its First Tech Rewards Checking.

Expedition Credit Union $200 Bonus

• Receive a $200 Bonus upon opening a new Rewards Checking Account (either Cash Back Checking or High Yield Checking) through December 31, 2025.

• Offer not valid for those who have or had a checking account with Expedition Credit Union in the last twelve (12) months.

• To qualify for the $200 offer, new checking account must receive two (2) automatic deposits from payroll, pension payment, social security, or other government payments from an outside employer or outside agency (branch deposits, Shared Branch deposits, bank-to-bank transfers, mobile deposits, ATM deposits, or person-to-person transactions do not qualify) totaling at least $600 within 90 days from account opening.

• Account must remain open for six (6) months.

• The $200 Bonus will be deposited into the Rewards Checking Account within 30 days after meeting the Automatic Deposit requirement.

• Expedition reserves the right to terminate bonus payout if the qualifications are not met, the account is not in good standing, or if the account does not remain open for at least six (6) months.

• Limit of one account per Member may be included in promotion.

First Tech Federal Credit Union $50 bonus or $300 bonus

Direct deposit is your easy path to bonus cash.
Enroll in our award-winning First Tech Rewards Checking® and set up a direct deposit for three consecutive months, and you'll be on your way to a bonus payday in three easy steps.

Step 1 - Join with a First Tech Rewards Checking® account. Already have one? You’re all set!

Step 2 - Set up a new payroll direct deposit to your Rewards Checking account, for at least three months.

Step 3 - Earn either: $50 with $1,000-$5,000 or $300 with $5,000+.

Recent Rate Changes

• Andrews Federal Credit Union • 5.50% (▼50 bps) (up to $25k) • Kasasa Cash® Checking

• All America Bank • 4.50% (▼15 bps) (up to $15k) • Ultimate Rewards Checking

• Redneck Bank • 4.50% (▼15 bps) (up to $15k) • Redneck Rewards Checking

• Climate First Bank • 4.01% (▼45 bps) (all balances) • Impact Personal 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

Credit Union of New Jersey

• 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

Andrews Federal Credit Union

• Kasasa Cash® Checking • 5.50% (▼50 bps) (up to $25k), 0% ($25k+)

• 15+ debit card purchases, at least 1 direct deposit or ACH, eStatements

FirstSouthern Bank

• 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

FitnessBank

• 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

Pelican State Credit Union

• Kasasa Cash • 5.01% (up to $20k), 2.02% ($20k+)

• 15+ check card purchases, at least 1 direct deposit, online bill payment, or ACH, e-Statements, online statements, online or mobile banking

Balance Caps Less than $20k

OnPath Federal Credit Union

• Rewards High-Yield Checking • 7.00% (up to $10k), 0.50% ($10k+)

• 15+ debit card purchases, eStatements, online or mobile banking

Genisys Credit Union

• Genisys High Yield Checking • 6.75% (up to $7.5k), 0.05% ($7.5k+)

• 10+ debit card purchases ($5 min each), eStatements

Oklahoma Central Credit Union

• 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 56 nationally available RCAs.

Dq Rca Rates 21 Apr 2025

18.4KB ∙ XLSX file

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