5 Best Interest Yielding Checking Accounts in the U.S.

4. Garden Savings Federal Credit Unit Platinum Rate Rewards Checking

Latest APY: 4.00%

Garden Savings Federal Credit Unit Platinum Rate Rewards Checking has the standard maximum balance limit of $15,000 for its highest APY rate of 4%. At the same time, it requires you to make at least 12 debit card transactions per month along with at least one deposit. The account also reimburses some ATM withdrawal fees, and it does not have monthly maintenance fees.