Highest Rewards Checking Account Rates for Massachusetts, MA





  • Account Notes Rewards Rate / Details

  • Earn 4.50% APY on balances up to $15,000, if requirements are met
    Earn 1.46% APY on balances of $15,000+, if requirements are met
    Earn 0.05% APY on any balance if requirements are not met
    No minimum balance to earn interest
    No monthly fees
    FREE Workers' Online Banking
    FREE Online Bill Pay
    Unlimited Check Writing
    1/2% Loan Discount with Auto Pay
    FREE First Check Order(20)
    FREE eStatements
    FREE Online Check Images
    FREE Combined Statement
    Overdraft Protection
    ATM refunds up to $10 per statement cycle when requirements are met

    5.40%

    Credit Union with nearby branch - View
    $15,000 Rewards Balance

  • Earns Interest - up to 5.00% APY
    No minimum monthly balance requirements
    Loan discounts
    $350 closing cost credit
    No auto loan application fee
    ATM rebates
    FREE3 Greenlight account
    FREE eStatements
    FREE Mobile and Online Banking
    Overdraft Privilege available for those who qualify
    Balances are insured by NCUA

    5.00%

    Credit Union with nearby branch - View
    $500 Rewards Balance

  • No minimum balance ($25.00 minimum deposit to earn APY)
    Earn a PREMIUM rate of interest (currently 4.07% APY) on balances up to $3,000.
    No foreign ATM surcharges – UNLIMITED MONTHLY REBATES
    Free Online Banking, Bill Pay, Mobile Wallet, Mobile Banking and Mobile Check Deposit
    Free e-Statements (or $5.00 monthly fee for paper statements)
    Courtesy overdraft protection available if qualified
    Debit Card Rewards – earn points to redeem for great gifts, travel and more with every non-pin Dean Bank Debit MasterCard® transaction

    4.07%

    Bank with nearby branch - View
    $3,000 Rewards Balance

  • Free checking that pays high interest
    4.07% APY on balances up to $25,000
    0.25% to 4.07% APY on balances over $25,000 depending on balance in account
    0.05% APY if qualifications aren't met
    Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
    Link to free Kasasa Saver to build savings automatically
    No minimum balance to earn rewards
    No monthly service fee
    Free Internet Banking
    Free Billpay
    Free e-Statements
    Free MasterMoney debit card

    Earning your rewards is easy.

    To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

    Have at least 12 debit card purchases post and settle
    Have at least 1 direct deposit or ACH payment transaction post and settle
    Be enrolled in and agree to receive e-Statements

    4.07%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • 4.06% Annual Percentage Yield (APY) for balances up to $25,000.00. For balances over $25,000.00, the APY will range from 4.06% to 0.25% depending on the balance in the account. This is a variable rate and the rate is subject to change after the account is opened. Fees may reduce earnings.This is a variable rate account and the interest rate and APY may change at any time after the account is opened. The minimum deposit to open this account is $50.00. Available on personal accounts only.
    Online Banking
    Bill Pay, Plus
    Mobile Apps for Smartphones, Tablets & iPads
    Mobile Remote Deposit Capture
    Finance Works - Personal Finance Mgmt
    Purchase Rewards
    Transfers to and from other financial institutions
    POP Money (Pay Other People)
    SMS Banking
    Pays Interest
    Refunds ATM Fees
    No minimum balance
    No monthly service charge fee
    No per check charge
    Unlimited check writing

    4.06%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • Rate of 4.05% APY on balances between $0.00 and $24,999.99.
    0.05% APY paid on amounts of $25,000.00 or above.
    0.01% APY paid on all balances if qualifications are not met.
    Easy mobile deposits.
    Access to over 55,000 surcharge free ATMs.
    Nationwide ATM fee refunds (up to $12 per qualification cycle)
    Avoid the $3 monthly maintenance service charge by receiving eStatements
    No minimum balance requirement
    Free Online & Mobile Banking that provides Money Management Budgeting Tools and so much more
    Free Bill Pay
    CSB Debit Card with Purchase Rewards (Simply upload your favorite picture to personalize your CSB Just4Me® Debit Card for $10)
    Surcharge-free3 ATM access worldwide via the Allpoint® ATM Network
    $10 minimum deposit to open

    4.05%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • Free checking that pays really high interest
    3.00 APY on balances $0.01 up to $10,000
    3.00% to 0.50% APY on balances over $10,000 depending on balance in account
    0.05% APY if qualifications aren't met
    Refunds on ATM fees, nationwide (up to $25 monthly)
    Link to high-interest Kasasa Saver® account
    No monthly service fee
    No minimum balance to earn rewards
    Free online services, including:
    Online banking and bill pay
    eStatements
    Mobile banking
    Free MasterCard® rewards debit card
    Overdraft programs available
    Kasasa Protect™ available at an exclusive price
    Unlimited check writing
    $25 minimum deposit to open

    3.00%

    Bank with nearby branch - View
    $10,000 Rewards Balance

  • Earn 2.50% APY on balances up to $34,999.99
    ATM fee refunds nationwide
    No monthly fee
    No minimum balance required to maintain account
    Open a Rewards Savings with a 3.50% APY
    Special rates on a Rewards CD

    2.50%

    Bank with nearby branch - View
    $34,999 Rewards Balance

  • Earn these monthly incentives:
    Earn our highest yielding checking interest rate on balances up to $25000.00
    Free account includes no monthly service charge
    Automatic refunds up to $25 per month
    (Refunds for domestic ATM fees charged by other ATM owners and MasterCard cross border/currency conversion fees for debit card foreign transactions)

    2.02%

    Bank with nearby branch - View
    $100,000 Rewards Balance

  • Earn up to 2.01% APY

    $25 opening deposit

    No minimum balance

    No monthly service fees

    2.01%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • No minimum balance
    ATM fee refunds up to $25 nationwide each cycle that qualifications are met
    First order of standard checks at no charge
    Online Banking and Bill Pay at no charge
    Complimentary Mobile Banking
    Eligible for companion Incredible Interest Savings Account

    1.50%

    Credit Union with nearby branch - View
    $15,000 Rewards Balance

  • Have your payroll, pension, or social security check direct deposited
    Make 10 debit card purchases per month
    Receive your statements electronically online.

    1.25%

    Bank with nearby branch - View
    $15,000 Rewards Balance

  • 1.00% APY on balances up to $25,000 when qualifications are met
    1.00% to 0.40% APY on balances over $25,000 depending on balance in account
    0.05% APY on entire balance if qualifications are not met
    Unlimited nationwide ATM fee refunds when qualifications are met
    Free check writing and debit card use
    No monthly service fee
    No minimum balance to earn rewards
    Can link to MoneyMaking Savings for automatic savings
    Free online banking and bill pay
    Free, paperless eStatements
    Free mobile banking
    Every dollar deposited at Monson Savings is fully insured by the FDIC and DIF

    1.00%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • A base rate of 1.00% APY.
    Instant or same-day transfers between Bask accounts.
    No monthly account fees or minimum balance requirement.
    Premium metal Visa debit card with access to more than 55,000 surcharge-free ATMs nationwide.
    With features like Zelle®, Direct Deposit and Bill Center, you can easily manage your money.

    1.00%


    $0 Rewards Balance

  • 1.00% APY on balance.
    Earn interest on your everyday balance when you set up at least $1 in qualifying Direct Deposit—no complex requirements.
    No monthly maintenance fees, no minimum balances, and no overdraft fees.
    Early paydays with Direct Deposit. Access your paycheck up to 2 days.
    95,000+ ATMs nationwide. Enjoy fee?free access to cash with unlimited domestic ATM fee reimbursements across a nationwide network.

    1.00%


    $5,000 Rewards Balance

  • Free Checking with No minimum balance
    No monthly service charge
    No per check fees
    Check images returned for easy record keeping
    Easy-to-balance monthly statement
    First order of Standard Checks is free
    Free Debit Card with NO annual fee
    Free Online Banking
    Free Online Bill Pay
    Free Telephone Banking

    0.50%

    Bank with nearby branch - View
    $15,000 Rewards Balance

  • No Minimum balance to earn interest
    Debit card fee
    ATM reimbursements Unlimited
    Online & mobile banking Free
    Make deposits from home Free
    $50 satisfaction guarantee
    Additional online security
    Monthly Fee: None
    Visa Check Card: Free
    Unlimited check writing: Free
    Online Bill Pay: Optional
    EverBank ATM fees: None
    ATM fee reimbursement: $6/month
    Overdraft Protection: Yes
    EverBank will automatically reimburse non-EverBank charges on U.S. ATM transactions during any month that you maintain a minimum average daily balance of at least $5,000.

    0.25%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • Earn 0.25% APY on balances up to $25,000
    Earn 0.05% on the portion of balance over $25,000
    ATM fees refunded Nationwide
    No monthly service fee
    No minimum balance
    Free Debit Card
    $10 minimum deposit to open
    Free EZ $ave savings account
    FSBlink Online Banking with Free Bill Pay
    Free eStatements
    Overdraft Services available

    APY = Annual Percentage Yield. Interest Rate for balances over $25,000 is 0.10% with an APY ranging from 0.42% to 0.33% depending on the balance in the account and assuming a maximum deposit of $35,000.

    ATM fee refunds up to $20 per monthly qualification period.

    0.25%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • Free checking that pays high interest when monthly qualifications are met

    0.20% APY on balances up to $10,000
    0.20% to 0.10% APY on balances from $10,000.01 to $20,000
    0.20% to 0.10% APY on balances over $20,000 depending on balance in account
    0.01% APY if qualifications aren't met

    Plus, earn nationwide ATM fee refunds up to $15/ month when qualified
    Link to free Saver Rewards to build savings automatically
    No minimum balance to earn rewards
    No monthly service fees
    Unlimited check writing
    Automatically receive Loyalty Rewards with higher combined deposit and loan balances
    Free digital banking services, including:

    Free online banking & bill pay
    Free mobile banking with mobile deposit
    Free eStatements

    Free Mastercard® EMV debit card with ID Theft Monitoring
    $10 minimum deposit to open

    0.20%

    Bank with nearby branch - View
    $10,000 Rewards Balance

  • Competitive dividends - on your entire daily balance (compounded daily and paid monthly).
    No monthly maintenance fees.
    DCU Visa® Debit Card - a convenient way to pay for qualified expenses at thousands of locations. (Upon Approval)
    No minimum balance to open.
    For people with high-deductible health plans.
    FREE Online & Mobile Banking (data rates may apply)
    Unlimited check writing.

    0.10%

    Credit Union with nearby branch - View
    $25,000 Rewards Balance

  • The interest rate of 0.10% APY is paid on balances up to $25,000. Balances over $25,000 earn 0.05% APY, if qualifying requirements are met.
    Debit card with Avidia Rewards
    Foreign ATM transaction fees reimbursed+
    Other bank ATM surcharge fees reimbursed to you (up to $10 per statement cycle)
    No maintenance fees
    Interest paid on your collected balance (see eChecking rates below)
    Access to our Avidia Rewards+ program

    0.10%

    Bank with nearby branch - View
    $25,000 Rewards Balance

  • Non-UniBank ATM Fees - unlimited fee waivers,
    Free Point of Sale Debit Use
    Free UniBanking Online
    Free UniBank Bill Payer
    Free UniBanking by Phone
    Higher ATM
    Cash Withdrawal Limits
    Combined Account Statement
    Interest Bearing
    Free VISA® Debit Card

    0.05%

    Bank with nearby branch - View
    $20,000 Rewards Balance

  • Minimum deposit of $100 required to open account.
    Free Standard Checks, No-fee Bank Checks, $20.00 Annual Safe Deposit Box Discount.
    Personal accounts only.
    Free standard checks or $10 credit toward custom check order. $20 monthly service fee waived with $10,000+ monthly combined deposit balances.
    Fees may reduce earnings on account.
    Deposits are insured up to current FDIC

    0.05%

    Bank with nearby branch - View
    $10,000 Rewards Balance

  • Annual Percentage Yield (APY) effective as of 9 August, 2026. The promotional APYs listed are effective for accounts opened between 7/01/26 and 8/31/26 and shall not be changed for accounts opened in this timeframe until at least 10/31/26; thereafter APYs may vary. To open a new Zeugma Plus account relationship, you must make a total initial deposit of $1,000.00 using funds drawn from outside Leader Bank. Your Zeugma Plus Accounts must each be funded with a minimum of $10.00, the minimum balance required to maintain eligibility. To receive the promotional 4.75% quoted, you must fulfill the following 3 requirements for your Zeugma Plus Checking each month: (a) receive a minimum of $1,000 in direct deposits, (b) enroll in eStatements, and (c) have three (3) electronic withdrawal debit transactions posted and cleared (excluding internal transfers) (the 'Qualifying Criteria'). When you satisfy the Qualifying Criteria, then an APY of 4.75% shall be paid on Zeugma Plus Savings balances up to $250,000 in the following month. An APY of 2.50% will be paid on that portion of daily balances which exceed $250,000; your total APY for such balances will range from 2.50% to 4.75%, depending on total balance. If you do not meet the Qualifying Criteria in a month, you will be paid 2.50% APY on your entire balance in the following month. Limit one Zeugma Plus Checking and one Zeugma Plus Savings account per household; additional terms and conditions may apply.

    0.00%

    Bank with nearby branch - View
    $0 Rewards Balance

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