Best Checking Accounts & Rates in Indiana - June 2026
Brian McKay
Brian McKay
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The best checking rates for Indiana include Baxter Credit UnionBaxter Credit Union927 S Curry Pike, Bloomington, IN 47403 2624A5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY, One Vision Federal Credit UnionOne Vision Federal Credit Union206 W Lewis and Clark Pkwy, Clarksville, IN 47129 1646A+5.0 ★Texas Ratio: 2.19% ONEAccount Checking at 5.00% APY, MIDWEST AMERICAMIDWEST AMERICA801 E Tillman Rd, Fort Wayne, IN 46816 1971A+5.0 ★Texas Ratio: 3.67% Reward Checking at 4.00% APY, Tech Credit UnionTech Credit Union10110 Randolph St, Crown Point, IN 46307 9469B+4.8 ★Texas Ratio: 17.23% InCENTIV Checking at 3.50% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4884 S Maple Tree Dr, Princeton, IN 47670B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Indiana side-by-side. Indiana checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 927 S Curry Pike, Bloomington, IN, 47403 2624. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Indiana. Checking Account Rates Last Updated and Verified: June 16, 2026
Compare Checking Account Rates Today in Indiana
Indiana Checking Account Rates
Bloomington, IN 47403 2624
Level 2 on balances up to $15000
Clarksville, IN 47129 1646
Qualifying balance up to $1,000.00
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Bloomington, IN 47403 2624
Level 1 on balances up to $15000
Crown Point, IN 46307 9469
No additional details provided.
Princeton, IN 47670
No additional details provided.
Bluffton, IN 46714 9772
Qualifying balance up to $15,000.00
Lynnville, IN 47619
No additional details provided.
Muncie, IN 47304
Balances up to $15,000
Evansville, IN 47712 6587
Qualifications Required: 15+ debit transactions; Applicable on balances up to $20,000. 3.50% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.
Crown Point, IN 46307 9469
No additional details provided.
Newburgh, IN 47630
Qualifications Required; The APY range is based on an assumed account balance cap of $25,000 plus $100,000. The APY decreases as your balance increases above $25,000.
Jeffersonville, IN 47130 6916
Qualifications Required: Achieved Goals; Qualifying balance up to $25,000.00
Indianapolis, IN 46221 1710
Qualifying balance up to $5,000.00
Crown Point, IN 46307 9469
No additional details provided.
Crown Point, IN 46307 9469
No additional details provided.
Indianapolis, IN 46221 1710
Qualifying balance up to $10,000.00
Fort Wayne, IN 46818 1856
*$100 minimum opening deposit
Fort Wayne, IN 46818 1856
*$100 minimum opening deposit
Columbus, IN 47201 5577
No additional details provided.
Indiana High Yield Checking Rates
Bloomington, IN 47403 2624
Level 2 on balances up to $15000
Clarksville, IN 47129 1646
Qualifying balance up to $1,000.00
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Bloomington, IN 47403 2624
Level 1 on balances up to $15000
Princeton, IN 47670
No additional details provided.
Bluffton, IN 46714 9772
Qualifying balance up to $15,000.00
Muncie, IN 47304
Balances up to $15,000
Crown Point, IN 46307 9469
No additional details provided.
Evansville, IN 47712 6587
Qualifications Required: 15+ debit transactions; Applicable on balances up to $20,000. 3.50% APY dividend or 500 ScoreCard bonus points will not be paid if all services are not used or if fewer than 15 debit purchases post in the month. Debit transactions typically post within two business days and may vary based on merchant processing. ATM transactions do not qualify as debit card purchases. ScoreCard points are not rewarded on purchases from Vertical Checking. Online and mobile banking logins and eStatements enrollment are reported and counted the next business day. Must meet account requirements to receive ATM fee reimbursement. ATM fee reimbursement limited to $15 per account per month.
Newburgh, IN 47630
Qualifications Required; The APY range is based on an assumed account balance cap of $25,000 plus $100,000. The APY decreases as your balance increases above $25,000.
Jeffersonville, IN 47130 6916
Qualifications Required: Achieved Goals; Qualifying balance up to $25,000.00
Crown Point, IN 46307 9469
No additional details provided.
Indianapolis, IN 46221 1710
Qualifying balance up to $5,000.00
Crown Point, IN 46307 9469
No additional details provided.
Fort Wayne, IN 46818 1856
*$100 minimum opening deposit
Indianapolis, IN 46221 1710
Qualifying balance up to $10,000.00
Fort Wayne, IN 46818 1856
*$100 minimum opening deposit
Columbus, IN 47201 5577
No additional details provided.
Terre Haute, IN 47807
No additional details provided.
Lafayette, IN 47904 2156
No additional details provided.
Indiana Rewards Checking Rates
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Bluffton, IN 46714 9772
Qualifying balance up to $15,000.00
Newburgh, IN 47630
Qualifications Required; The APY range is based on an assumed account balance cap of $25,000 plus $100,000. The APY decreases as your balance increases above $25,000.
Jeffersonville, IN 47130 6916
Qualifications Required: Achieved Goals; Qualifying balance up to $25,000.00
Newburgh, IN 47630
Qualifications Required; The APY range is based on an assumed account balance cap of $25,000 plus $100,000. The APY decreases as your balance increases above $25,000.
Kokomo, IN 46902 3706
No additional details provided.
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Bluffton, IN 46714 9772
No additional details provided.
Greensburg, IN 47240
No additional details provided.
Bluffton, IN 46714 9772
Qualifications not met
Newburgh, IN 47630
Rates effective as of 09/01/2023. Annual Percentage Yields accurate as of stated date and are subject to change. For all certificates, fees and other conditions could reduce the earnings on these accounts. Penalties may be imposed for early withdrawal.
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Evansville, IN 47712 6587
Qualifications Required: eStatements enrollment; one or more online or mobile banking login(s); one or more direct deposit into the account; 15 or more debit card transactions posted per month; Accountholders qualify for 500 bonus ScoreCard points per month when they meet all of the following requirements: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify.
Indiana Free Checking Rates
Huntingburg, IN 47542
No additional details provided.
Huntingburg, IN 47542
No additional details provided.
Kokomo, IN 46902 3706
No additional details provided.
Greensburg, IN 47240
If you maintain $600.00 in the account each day of the statement cycle, the interest rate on this account is 0.10% with an annual percentage yield (APY) of 0.10%, otherwise no interest is paid. Basic Checking NOW Account has a monthly maintenance fee of $7.50 will be assessed if a minimum balance of $600.00 is not maintained.
Bedford, IN 47421 2116
Average balance of $1,000 or more. $1,000 minimum balance required to earn APY.
Lafayette, IN 47905
No minimum opening balance. Dividends are compounded and paid monthly.
Indianapolis, IN 46241 6400
No additional details provided.
Hammond, IN 46323
Rates can change daily, Daily compounding
Evansville, IN 47708
New checking clients can earn up to $600 when completing qualifying activities. Promotional offers are not available for customers with an existing Old National Bank personal checking account (including owners; signers on joint accounts), personal checking accounts closed within the last 36 months or have been paid on an Old National personal checking promotional bonus in the past 36 months or Old National Bank employees.
Rochester, IN 46975
No additional details provided.
Huntingburg, IN 47542
No additional details provided.
Fort Wayne, IN 46816 1971
Dividend Distribution: No distribution
Bedford, IN 47421 2116
Average balance of less than $1,000
Lafayette, IN 47905
No additional details provided.
Princeton, IN 47670
No additional details provided.
Hammond, IN 46323 2225
No additional details provided.
Indiana Student Checking Rates
Muncie, IN 47304
Balances up to $2,000
Muncie, IN 47304
Balances over $2,000
Lafayette, IN 47905
No minimum balance to open.
Bedford, IN 47421 2116
Average balance of $1,000 or more. $1,000 minimum balance required to earn APY.
Muncie, IN 47304
No additional details provided.
Hammond, IN 46323
Rates can change daily, Daily compounding
Hammond, IN 46323
Rates can change daily, Daily compounding
Bedford, IN 47421 2116
Average balance of less than $1,000
Crown Point, IN 46307 9469
No additional details provided.
Indiana Business Checking Rates
Crown Point, IN 46307 9469
No additional details provided.
Lynnville, IN 47619
No additional details provided.
Huntingburg, IN 47542
No additional details provided.
Huntingburg, IN 47542
No additional details provided.
Huntingburg, IN 47542
No additional details provided.
Huntingburg, IN 47542
No additional details provided.
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Bloomington, IN 47403 2624
No additional details provided.
Carmel, IN 46032 3279
No additional details provided.
Notre Dame, IN 46556
No additional details provided.
Fort Wayne, IN 46816 1971
Dividend Distribution: Monthly
Fort Wayne, IN 46818 1856
*$100 minimum opening deposit
Harlan, IN 46743
No additional details provided.
Carmel, IN 46032 3279
No additional details provided.
Fort Wayne, IN 46818 1856
*$100 minimum opening deposit
Harlan, IN 46743
No additional details provided.
Crown Point, IN 46307 9469
No additional details provided.
Muncie, IN 47304
No additional details provided.
Fort Wayne, IN 46804 3073
No additional details provided.
Indiana Checking Rate Trends
Compare local Indiana checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Indiana high-yield checking rates fell 0.840 points over the past 7 days to 0.794% APY.
Indiana free checking rates rose 0.069 points over the past 7 days to 1.157% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Indiana checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Indiana directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Indiana. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IN.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Indiana earn interest?
Are banks in Indiana FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Indiana
- Baxter Credit Union
PowerPlusTM Checking — 8.00% APY - One Vision Federal Credit Union
ONEAccount Checking — 5.00% APY - MIDWEST AMERICA
Reward Checking — 4.00% APY - Tech Credit Union
InCENTIV Checking — 3.50% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY
Checking Account Rates by City in Indiana
