CHECKING ACCOUNTS » High Yield Checking
Family owned regional bank Adams Bank & Trust is offering a high rate of return on their Super Smart e-checking accounts. Depositors can earn a hefty 4.00% APY on deposits, making the offering one of the best checking account deals currently available. To qualify for the interest generating checking account, depositors must know some conditions of the deposits including:
- Checking account rates apply to balances up to $35,000
- The checking account rate will be 2.00% APY on balance amounts over $35,000
- If monthly requirements are not met the checking account rate will drop to .20%
- Depositors must make 25 month debit card purchases (PIN or signature based)
- Customers must sign up for monthly 1 Direct Deposit or 1 Direct Payment (ACH)
- To earn the best checking account rate, customers must opt into receiving e-statements
- ATM refunds totaling $10, monthly will be applied as long as monthly requirements are met
- If monthly requirements are not met, a $7 monthly service fee will apply
- This rate will be available until May 31, 2010
- A minimum opening balance of $100 is required
- FDIC insured
Founded in 1916 Adams Bank & Trust has now grown into a financial institution boasting $500 million in assets. The bank has a total of 15 locations with 10 in Nebraska and five in Colorado.
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Current Adams Bank & Trust CD Rates
- 6 Month CD Rate - Adams Bank & Trust
- 12 Month CD Rate - Adams Bank & Trust
- 2 Year / 24 Month CD Rate - Adams Bank & Trust
Other Adams Bank & Trust Rates
Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.
Learn More About Guaranteed Checking Accounts! >>>
Guaranteed checking accounts are basically second chance checking accounts for people who have either mismanaged their past accounts or have low credit due to poor credit/personal finance management. Guaranteed checking/banking accounts are a great way for people to prove that they can handle their financial responsibilities again by slowly building their reputation.
Why Do People Need Guaranteed Checking Accounts?
People typically need to sign up for guaranteed checking accounts for a variety of reasons including:
- They have poor credit history and cannot sign up for traditional accounts
- They have poor personal finance history and mismanaged past accounts
- They were denied bank accounts due to poor ChexSystems records
- They want a real bank account with complete checking numbers, routing numbers, checks and debit cards
- They do not want to apply for traditional accounts and get rejected
- They are looking for a sure and guaranteed account
Now that you know why there's a need, learn more about when you should get a guaranteed checking account.
Who Should Sign up for a Second Chance Checking Account?
Second chance checking accounts are ideal for people who are unable to obtain traditional checking accounts. They are ideal for people who need a way to conduct their personal banking activities without the means to do so. Companies that offer second chance checking accounts are aware of the position of their customers, and want to make the process as easy as possible. Many do not require embarrassing interviews or harsh regulation.
A real 1.01% APY checking account interest rate is being offered by VirtualBank . To apply for the bank's maximum checking account interest rate specific terms must be met including:
- Minimum opening balance of $500 required
- 1.01% reflects the highest tier of interest and will be paid on...
Read Full Article: Earn a Real 1.01% APY By Opening a VirtualBank Rewards Checking Account
Contra Costa Federal Credit Union is offering a competitive 1.11% APY checking account interest rate. Although the checking account interest rate is not as high as other reward checking accounts, the account has few rules to qualify for the earnings rate. To qualify for the stress free checking...
Read Full Article: Contra Costa FCU Offers 1.11% APY Interest on Checking Account Deposits
With savings account interest rates at historical lows, depositors can actually earn more bang for their buck when depositing money into the best checking accounts . One option with a 2.51% APY checking account rate comes from the Community Bank of Pleasant Hill based in Missouri.
Some of...
Read Full Article: Earn 2.51% APY With a Rewards Checking Account at Community Bank of Pleasant Hill
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California based Pacific Mercantile Bank has lowered earnings potential of their Premium Interest Checking account rates to 2.00% since our last checking interest rate report in May . Some terms to qualify for the new checking account rate include:
- Applies on balances between $1,500 and...
Read Full Article: Earn up to 2.00% APY With a Pacific Mercantile Bank Premium Interest Checking Account
Online banking superstar, Ally Bank , recently launched free online checking accounts that also earn a.5% APR on balances up to $15,000. Customers interested in taking advantage of Ally's free online checking account will also benefit from 24/7 customer service (via phone, chat, and email...
Read Full Article: Ally Announces Free Online Checking That Earns .5% APR
ViewPoint Bank has a competitive 4.00% APY earnings rate on their Absolute Checking Accounts. The interest is calculated on a daily balance basis and distributed monthly. There are specific features and terms in order to take advantage of this offer including:
- Minimum opening balance of...
Read Full Article: ViewPoint Bank Offers 4.00% APY on Absolute Checking Accounts
Kansas-based bank, KANZA , has a competitive 4.00% APY rate on deposits into their Rewards Checking Account plan . The high yield rate applies to qualified accounts balance amounts up to $25,000. Some other features and terms of the account include:
- Complimentary online banking with bill...
Read Full Article: KANZA Bank Has 4.00% APY on Their Rewards Checking Account
