Checking accounts have become the most used financial products in the country. These accounts are offered by almost all of the banks in the country and can be found with various benefits along with the standard features. A good online checking account will give you easy ATM access along with high-interest rate. These two features are rare to find together but there are some banks that manage to do the best in providing both the access and the interest.

Redneck Bank
Redneck Rewards Checking offers an APY of 2.25% to its customers. This percentage makes this account the highest earning option for the people of Oklahoma. This account needs its customers to select paperless statements along with posting at least 10 debit card transactions in a month to earn the full APY. If the customer fails to follow these two steps, the bank reduces the APY to 0.50%. Despite this reduction, the Redneck Rewards Checking is the best checking option if you are looking for online checking solutions. Not many people know this but Redneck is the Internet Banking division of All America Bank which is based in Oklahoma.

Memory Bank
Memory Bank’s EarnMore Account can help a customer earn 1.60 APY in the first year by just maintaining a monthly minimum balance in the account and managing 5 credit card uses. The initial interest boost on this account is the highest available in any checking account across the state. The initial rate on the account falls down to 1.00% after the first year and the activities required to earn this rate remain the same. This rate can be further reduced if the customer fails to meet the required conditions. Financial experts believe that this account is a great option for earning money on deposits if the customer can maintain a proper balance.

You might also like : How To Avoid Unwanted Bank Fees And Charges

Capital One
Capital One 360 checking account can be considered by individuals who have a negative record with Chexsystems and other similar reporting companies. Capital is well known to consider only credit scores while opening bank accounts and hence, a person with negative credit records has a good chance of opening a checking account with Capital One. 360 account also allows the customers to activate an overdraft protection from an overdraft line of credit. Capital one charges 3 cents per day for every USD 100 of negative balance which is much less than the overdraft fee of other banks.

Ally
Ally Interest Checking account is actually an interesting account for people who are looking to open a checking account without an opening balance. This account required 0 dollars to open an account and 0 dollars to get an interest. There is also no monthly fee for the account. The bank offers you an APY of 0.60% APY if you can maintain a minimum balance of $15,000 or more in the account. Ally bank mostly tops the list of online checking options because of its high-interest rates, good customer service and a wide array of deposit accounts.

Keep yourself updated with the latest on  Banking . Like us on  Facebook  and follow us on  Twitter  for more on Investments.