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Checking Rate Trends

St Charles, Missouri Best Checking Accounts & Rates September 2026

Current checking account rates in St Charles, Missouri range from 0.02% to 8.00% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. The best checking rates for St Charles, Missouri include FSB of St. Charles, MOFSB of St. Charles, MO206 N 5th St, St Charles, MO 63301A+5.0 ★Texas Ratio: 2.35% Premium NOW Checking at 0.40% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO120 Jefferson St, St Charles, MO 63301A+5.0 ★Texas Ratio: 2.49% Icon Checking at 0.20% APY, Lindell Bank & Trust CompanyLindell Bank & Trust Company3201 N Highway 94, St Charles, MO 63301A+5.0 ★Texas Ratio: 1.91% NOW Checking at 0.02% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% PowerPlusTM Checking at 8.00% APY, and Community Bank of Pleasant HillCommunity Bank of Pleasant HillA-4.1 ★Texas Ratio: 0.00% Super Cash Checking at 6.01% APY. Checking account rates as of September 28, 2026 according to verified data from MonitorBankRates.

St Charles has 3 local institutions in our database, with checking rates as high as 0.40% APY from FSB of St. Charles, MO at 206 N 5th St, St Charles, MO, 63301. Use the tabs below to compare all available checking account types. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in St Charles, Missouri. Checking Account Rates Last Updated and Verified: September 28, 2026

Compare Checking Account Rates Today in St Charles, Missouri & the Surrounding Area

Institutions:

St Charles Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
206 N 5th St
St Charles, MO 63301
Business NOW Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Sep 28, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
206 N 5th St
St Charles, MO 63301
Premium NOW Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

$0 ($10 if balance falls below $1,000)

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Sep 28, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
120 Jefferson St
St Charles, MO 63301
Icon Checking
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $100,000.01 or more

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
120 Jefferson St
St Charles, MO 63301
Imagine Checking
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $1,000.01 or more

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Lindell Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
3201 N Highway 94
St Charles, MO 63301
NOW Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 8, 2026: 0.02% APYSep 8, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Level 2 on balances up to $15,000; Balance: 0.01 - $15,000.00

Rate History
No change since Sep 14, 2026 · 8.00% APY · checked 5 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Super Cash Checking
6.01%
$25
▼
Rate5.85%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 6.01% APY · checked 3 times
5.51%6.01%6.51%Sep 20, 2026: 6.01% APYSep 20, 2026Sep 28, 2026
Pony Express Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Kasasa Cash Checking
5.09%
$0
▼
Rate4.97%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Balances up to $15,000

Rate History
No change since Sep 19, 2026 · 5.09% APY · checked 3 times
4.59%5.09%5.59%Sep 19, 2026: 5.09% APYSep 19, 2026Sep 28, 2026
Heritage Bank of the Ozarks
Institution Rating:
C+4.2 ★ Texas Ratio: 25.26%
Neighbor Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Balances up to $10,000

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Your Choice Checking - Rewards
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min Balance—
UpdatedSep 25, 2026
Details

Qualified Balances up to $15,000.00

Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
High Interest Reward Checking
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 ACH credit or ACH payment transaction; 12 debit card purchases of $1.00 or more each; Be enrolled in and have agreed to receive e-statements rather than paper statements; Monthly Maintenance Fee: FREE. N/A Balance to Avoid Monthly Maintenance Fee. Pays high interest. Refunds on ATM withdrawal fees, nationwide (up to $25 every month!). Interest is compounded monthly and credited on the last day of the current statement cycle. When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. APYs accurate as of April 17, 2025.

Rate History
1 change since Sep 11, 2026 · 0.10% → 4.50% ▲ 4.40 pts · high 4.50% / low 0.10%
0.00%4.45%8.90%Sep 11, 2026: 0.10% APYSep 19, 2026: 4.50% APYSep 11, 2026Sep 28, 2026
  • Sep 19, 20264.50%▲ from 0.10%
  • Sep 11, 20260.10%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to $20,000

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
Preferred Bank Rothville, MO
Institution Rating:
C2.4 ★ Texas Ratio: 1.88%
Smart Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $1.00 TO $14,999.99; Qualifications Required; If you meet the 3 requirements listed below, you will receive this rate.

Rate History
No change since Sep 7, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 7, 2026: 4.07% APYSep 7, 2026Sep 28, 2026
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Maximum Yield (MY) Checking
4.05%
$100
▼
Rate3.98%
Min Deposit$100
Min Balance—
UpdatedSep 28, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01-$25,000

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Level 1 on balances up to $15,000; Balance: 0.01 - $15,000.00

Rate History
1 change since Sep 14, 2026 · 8.00% → 4.00% ▼ 4.00 pts · high 8.00% / low 4.00%
0.00%6.00%12.00%Sep 14, 2026: 8.00% APYSep 18, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.00%▼ from 8.00%
  • Sep 14, 20268.00%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Best Interest Checking
4.00%
$0
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $10,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
First Rate Checking
3.51%
$0
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit, ACH credit or ACH payment transaction; 25 debit card purchases; Be enrolled in and agree to receive E-statements; APY on balances up to $25,000; APY range calculated with a $125,000 balance; Fees may reduce earnings.

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Sep 28, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Kasasa Cash Checking
3.05%
$100
▼
Rate3.01%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $15,000.99 and under

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Sep 28, 2026
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eGold Checking Account
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $15,000.00

Rate History
No change since Sep 18, 2026 · 3.01% APY · checked 3 times
2.51%3.01%3.51%Sep 18, 2026: 3.01% APYSep 18, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
3.00%
$25
▼
Rate2.95%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Super Cash Checking
3.00%
$25
▼
Rate2.95%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Kasasa Cash Checking
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Sep 28, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.27%
Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: Up to $10,000*

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
E-PREMIER CHECKING
2.33%
$50
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0.01 - $25,000.00

Rate History
No change since Sep 19, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Sep 19, 2026: 2.33% APYSep 19, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Heroes Checking
2.33%
$50
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0.01

Rate History
No change since Sep 19, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Sep 19, 2026: 2.33% APYSep 19, 2026Sep 28, 2026
Phelps County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Ultimate Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 through $24,999.99

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Sep 28, 2026
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eBlue Checking Account
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $15,000.00

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 3 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Sep 28, 2026
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eTeen Checking
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $1,000.00

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 3 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Sep 28, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Premier Checking
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedSep 25, 2026
Details

Qualifications Required; Balance: Any Balance (if monthly qualifications met**)

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
High-Rate Checking
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $0 - $25,000.00

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Elite Business Checking Business
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: Over $100,000.00

Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 3 times
1.42%1.92%2.42%Sep 14, 2026: 1.92% APYSep 14, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Elite Business Checking Business
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 1.87% APY · checked 3 times
1.37%1.87%2.37%Sep 14, 2026: 1.87% APYSep 14, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Elite Business Checking Business
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 3 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Sep 28, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★ Texas Ratio: 25.55%
Cash Rewards Checking
1.75%
$50
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: On balances up to $10,000

Rate History
No change since Sep 8, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 8, 2026: 1.75% APYSep 8, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Kasasa Cash Checking
1.60%
$50
▼
Rate1.60%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1.60% to 0.15%; Balances up to $10,000.00 (when qualifications are met)

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 4 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Premier Business Checking Business
1.50%
$10,000
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $50,000 and Over; Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Sep 28, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
ePower Checking
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Up to $25,000.00

Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 3 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Business Non-Profit Checking Business
1.16%
$100
▼
Rate1.15%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 1.16% APY · checked 3 times
0.66%1.16%1.66%Sep 19, 2026: 1.16% APYSep 19, 2026Sep 28, 2026

St Charles High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
206 N 5th St
St Charles, MO 63301
Premium NOW Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

$0 ($10 if balance falls below $1,000)

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Level 2 on balances up to $15,000; Balance: 0.01 - $15,000.00

Rate History
No change since Sep 14, 2026 · 8.00% APY · checked 5 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Super Cash Checking
6.01%
$25
▼
Rate5.85%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 6.01% APY · checked 3 times
5.51%6.01%6.51%Sep 20, 2026: 6.01% APYSep 20, 2026Sep 28, 2026
Pony Express Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Kasasa Cash Checking
5.09%
$0
▼
Rate4.97%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Balances up to $15,000

Rate History
No change since Sep 19, 2026 · 5.09% APY · checked 3 times
4.59%5.09%5.59%Sep 19, 2026: 5.09% APYSep 19, 2026Sep 28, 2026
Heritage Bank of the Ozarks
Institution Rating:
C+4.2 ★ Texas Ratio: 25.26%
Neighbor Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Balances up to $10,000

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Your Choice Checking - Rewards
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min Balance—
UpdatedSep 25, 2026
Details

Qualified Balances up to $15,000.00

Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
High Interest Reward Checking
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 ACH credit or ACH payment transaction; 12 debit card purchases of $1.00 or more each; Be enrolled in and have agreed to receive e-statements rather than paper statements; Monthly Maintenance Fee: FREE. N/A Balance to Avoid Monthly Maintenance Fee. Pays high interest. Refunds on ATM withdrawal fees, nationwide (up to $25 every month!). Interest is compounded monthly and credited on the last day of the current statement cycle. When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. APYs accurate as of April 17, 2025.

Rate History
1 change since Sep 11, 2026 · 0.10% → 4.50% ▲ 4.40 pts · high 4.50% / low 0.10%
0.00%4.45%8.90%Sep 11, 2026: 0.10% APYSep 19, 2026: 4.50% APYSep 11, 2026Sep 28, 2026
  • Sep 19, 20264.50%▲ from 0.10%
  • Sep 11, 20260.10%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to $20,000

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
Preferred Bank Rothville, MO
Institution Rating:
C2.4 ★ Texas Ratio: 1.88%
Smart Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $1.00 TO $14,999.99; Qualifications Required; If you meet the 3 requirements listed below, you will receive this rate.

Rate History
No change since Sep 7, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 7, 2026: 4.07% APYSep 7, 2026Sep 28, 2026
Blue Ridge Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Maximum Yield (MY) Checking
4.05%
$100
▼
Rate3.98%
Min Deposit$100
Min Balance—
UpdatedSep 28, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01-$25,000

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Sep 28, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Level 1 on balances up to $15,000; Balance: 0.01 - $15,000.00

Rate History
1 change since Sep 14, 2026 · 8.00% → 4.00% ▼ 4.00 pts · high 8.00% / low 4.00%
0.00%6.00%12.00%Sep 14, 2026: 8.00% APYSep 18, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
  • Sep 18, 20264.00%▼ from 8.00%
  • Sep 14, 20268.00%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Best Interest Checking
4.00%
$0
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $10,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Sep 28, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
First Rate Checking
3.51%
$0
▼
Rate3.51%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit, ACH credit or ACH payment transaction; 25 debit card purchases; Be enrolled in and agree to receive E-statements; APY on balances up to $25,000; APY range calculated with a $125,000 balance; Fees may reduce earnings.

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Sep 28, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Kasasa Cash Checking
3.05%
$100
▼
Rate3.01%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $15,000.99 and under

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Sep 28, 2026
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eGold Checking Account
3.01%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $15,000.00

Rate History
No change since Sep 18, 2026 · 3.01% APY · checked 3 times
2.51%3.01%3.51%Sep 18, 2026: 3.01% APYSep 18, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
3.00%
$25
▼
Rate2.95%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Super Cash Checking
3.00%
$25
▼
Rate2.95%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Kasasa Cash Checking
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Sep 28, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.27%
Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: Up to $10,000*

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
E-PREMIER CHECKING
2.33%
$50
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0.01 - $25,000.00

Rate History
No change since Sep 19, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Sep 19, 2026: 2.33% APYSep 19, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Heroes Checking
2.33%
$50
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0.01

Rate History
No change since Sep 19, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Sep 19, 2026: 2.33% APYSep 19, 2026Sep 28, 2026
Phelps County Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Ultimate Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 through $24,999.99

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Sep 28, 2026
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eBlue Checking Account
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $15,000.00

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 3 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Sep 28, 2026
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eTeen Checking
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $1,000.00

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 3 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Sep 28, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Premier Checking
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedSep 25, 2026
Details

Qualifications Required; Balance: Any Balance (if monthly qualifications met**)

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
High-Rate Checking
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $0 - $25,000.00

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★ Texas Ratio: 25.55%
Cash Rewards Checking
1.75%
$50
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: On balances up to $10,000

Rate History
No change since Sep 8, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 8, 2026: 1.75% APYSep 8, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Kasasa Cash Checking
1.60%
$50
▼
Rate1.60%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1.60% to 0.15%; Balances up to $10,000.00 (when qualifications are met)

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 4 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Sep 28, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
ePower Checking
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Up to $25,000.00

Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 3 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Sep 28, 2026
Pinnacle Bank Lincoln, NE
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Interest Checking Account
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $1,000,000.00 and up

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Sep 28, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.72%
Kasasa Cash Checking
1.08%
$100
▼
Rate0.60%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 12 debit card purchases of $5.00 or more; enrolled in and log into online banking; enrolled in and agree to receive e-statements; Balance: over $25,000.00; Refund nationwide ATM withdrawal fees (up to $25 monthly); Link to free Kasasa Saver to build savings automatically; No monthly maintenance fees; Free Online and Mobile Banking; Free Mastercard debit card / ATM card

Rate History
No change since Sep 7, 2026 · 1.08% APY · checked 4 times
0.58%1.08%1.58%Sep 7, 2026: 1.08% APYSep 7, 2026Sep 28, 2026
United State Bank Lewistown, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
First Security Checking
1.00%
$1,000
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $2,500.00 and above

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Sep 28, 2026
MA Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Smart Point Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $.01-20,000

Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 7, 2026: 1.00% APYSep 7, 2026Sep 28, 2026
EverBank
Institution Rating:
A5.0 ★ Texas Ratio: 12.49%
Non-Profit Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking Level 2
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 27, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 27, 2026: 1.00% APYSep 27, 2026Sep 28, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
Premium Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 25, 2026
Details

$8 waived for monthly fees greater than $15,000; Identity Theft Protection; Cell Phone Protection; Telehealth; And more

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Checking Plus
0.76%
$250
▼
Rate0.00%
Min Deposit$250
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $30,000+

Rate History
No change since Sep 14, 2026 · 0.76% APY · checked 3 times
0.26%0.76%1.26%Sep 14, 2026: 0.76% APYSep 14, 2026Sep 28, 2026
Pinnacle Bank Lincoln, NE
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Interest Checking Account
0.71%
$0
▼
Rate0.71%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $250,000.00-$999,999.99

Rate History
No change since Sep 14, 2026 · 0.71% APY · checked 3 times
0.21%0.71%1.21%Sep 14, 2026: 0.71% APYSep 14, 2026Sep 28, 2026

St Charles Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pony Express Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Kasasa Cash Checking
5.09%
$0
▼
Rate4.97%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Balances up to $15,000

Rate History
No change since Sep 19, 2026 · 5.09% APY · checked 3 times
4.59%5.09%5.59%Sep 19, 2026: 5.09% APYSep 19, 2026Sep 28, 2026
Heritage Bank of the Ozarks
Institution Rating:
C+4.2 ★ Texas Ratio: 25.26%
Neighbor Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: Balances up to $10,000

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Your Choice Checking - Rewards
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min Balance—
UpdatedSep 25, 2026
Details

Qualified Balances up to $15,000.00

Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
High Interest Reward Checking
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 ACH credit or ACH payment transaction; 12 debit card purchases of $1.00 or more each; Be enrolled in and have agreed to receive e-statements rather than paper statements; Monthly Maintenance Fee: FREE. N/A Balance to Avoid Monthly Maintenance Fee. Pays high interest. Refunds on ATM withdrawal fees, nationwide (up to $25 every month!). Interest is compounded monthly and credited on the last day of the current statement cycle. When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. APYs accurate as of April 17, 2025.

Rate History
1 change since Sep 11, 2026 · 0.10% → 4.50% ▲ 4.40 pts · high 4.50% / low 0.10%
0.00%4.45%8.90%Sep 11, 2026: 0.10% APYSep 19, 2026: 4.50% APYSep 11, 2026Sep 28, 2026
  • Sep 19, 20264.50%▲ from 0.10%
  • Sep 11, 20260.10%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to $20,000

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Sep 28, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Kasasa Cash Checking
3.05%
$100
▼
Rate3.01%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $15,000.99 and under

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
3.00%
$25
▼
Rate2.95%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $20,000

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Kasasa Cash Checking
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $10,000

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Sep 28, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★ Texas Ratio: 25.55%
Cash Rewards Checking
1.75%
$50
▼
Rate1.74%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: On balances up to $10,000

Rate History
No change since Sep 8, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 8, 2026: 1.75% APYSep 8, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Kasasa Cash Checking
1.60%
$50
▼
Rate1.60%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1.60% to 0.15%; Balances up to $10,000.00 (when qualifications are met)

Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 4 times
1.10%1.60%2.10%Sep 14, 2026: 1.60% APYSep 14, 2026Sep 28, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.72%
Kasasa Cash Checking
1.08%
$100
▼
Rate0.60%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 12 debit card purchases of $5.00 or more; enrolled in and log into online banking; enrolled in and agree to receive e-statements; Balance: over $25,000.00; Refund nationwide ATM withdrawal fees (up to $25 monthly); Link to free Kasasa Saver to build savings automatically; No monthly maintenance fees; Free Online and Mobile Banking; Free Mastercard debit card / ATM card

Rate History
No change since Sep 7, 2026 · 1.08% APY · checked 4 times
0.58%1.08%1.58%Sep 7, 2026: 1.08% APYSep 7, 2026Sep 28, 2026
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Reward Checking
0.60%
$50
▼
Rate0.60%
Min Deposit$50
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $0 - $25,000

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
0.51%
$25
▼
Rate0.51%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $0 - $10,000

Rate History
No change since Sep 20, 2026 · 0.51% APY · checked 3 times
0.01%0.51%1.01%Sep 20, 2026: 0.51% APYSep 20, 2026Sep 28, 2026
Community Bank of Raymore
Institution Rating:
D2.0 ★ Texas Ratio: 0.44%
Kasasa Cash Checking
0.51%
$25
▼
Rate0.51%
Min Deposit$25
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $10,000

Rate History
No change since Sep 19, 2026 · 0.51% APY · checked 3 times
0.01%0.51%1.01%Sep 19, 2026: 0.51% APYSep 19, 2026Sep 28, 2026
First State Bank of the Ozarks
Institution Rating:
A-5.0 ★ Texas Ratio: 14.28%
Kasasa Cash Checking
0.50%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 12 debit card purchases; enrolled in and agree to receive eStatements; enrolled in and log into online banking; Balance: $10,000.01 and over; Refund of ATM withdrawal fees nationwide (up to $20 monthly); Link to free Kasasa Saver to build savings automatically; No monthly maintenance fees; No minimum balance to earn rewards

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Sep 28, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
My Rewards Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $25,000.01 and over

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Sep 28, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.97%
Rewards+ Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $5000

Rate History
No change since Sep 22, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 22, 2026: 0.25% APYSep 22, 2026Sep 28, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.97%
Vantage Rewards+ Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Fee waived with $1,500+ balance. Enhanced Purchase Rewards. Digital Banking. No Minimum Balance. No Debit Card Transaction Minimums. ID Theft Aid. Rate may change after account opening. Fees could reduce earnings.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
High Interest Reward Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance over $10,000.00

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Reward Checking
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedSep 22, 2026
Details

Balance: Over $25,000

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★ Texas Ratio: 25.55%
Cash Rewards Checking
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: On balances over $10,000

Rate History
1 change since Sep 8, 2026 · 0.05% → 0.20% ▲ 0.15 pts · high 0.20% / low 0.05%
0.00%0.35%0.70%Sep 8, 2026: 0.05% APYSep 19, 2026: 0.20% APYSep 8, 2026Sep 28, 2026
  • Sep 19, 20260.20%▲ from 0.05%
  • Sep 8, 20260.05%first recorded
Midwest BankCentre
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
Max Rewards Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $499,999 and up

Rate History
No change since Sep 8, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 8, 2026: 0.15% APYSep 8, 2026Sep 28, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Kasasa Cash Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $20,000+

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
KASASA CASH CHECKING
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; All Balances, if qualifications are not met

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Sep 28, 2026
Midwest BankCentre
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
Max Rewards Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $4,999 - $499,998.99

Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Sep 28, 2026
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Your Choice Checking - Rewards
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedSep 25, 2026
Details

Qualified Balances OVER $15,000.00

Rate History
1 change since Sep 20, 2026 · 5.00% → 0.10% ▼ 4.90 pts · high 5.00% / low 0.10%
0.00%4.95%9.90%Sep 20, 2026: 5.00% APYSep 25, 2026: 0.10% APYSep 20, 2026Sep 28, 2026
  • Sep 25, 20260.10%▼ from 5.00%
  • Sep 20, 20265.00%first recorded
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Reward Checking
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedSep 22, 2026
Details

Requirements Not Met; Balance: null

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Free Kasasa Cash Checking
0.05%
$5,000
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

All balances if qualifications not met

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Sep 28, 2026
Regional Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Kasasa Cash Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

*Qualifications not met

Rate History
No change since Sep 11, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 11, 2026: 0.05% APYSep 11, 2026Sep 28, 2026
First State Bank of the Ozarks
Institution Rating:
A-5.0 ★ Texas Ratio: 14.28%
Kasasa Cash Checking
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

If qualifications aren't met; Refund of ATM withdrawal fees nationwide (up to $20 monthly); Link to free Kasasa Saver to build savings automatically; No monthly maintenance fees; No minimum balance to earn rewards

Rate History
1 change since Sep 11, 2026 · 5.00% → 0.05% ▼ 4.95 pts · high 5.00% / low 0.05%
0.00%4.98%9.95%Sep 11, 2026: 5.00% APYSep 19, 2026: 0.05% APYSep 11, 2026Sep 28, 2026
  • Sep 19, 20260.05%▼ from 5.00%
  • Sep 11, 20265.00%first recorded
Community Bank of Raymore
Institution Rating:
D2.0 ★ Texas Ratio: 0.44%
Kasasa Cash Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedSep 27, 2026
Details

All balances if qualifications not met

Rate History
No change since Sep 11, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 11, 2026: 0.05% APYSep 11, 2026Sep 28, 2026
The Corner Stone Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.72%
Kasasa Cash Checking
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

If qualifications aren't met; Refund nationwide ATM withdrawal fees (up to $25 monthly); Link to free Kasasa Saver to build savings automatically; No monthly maintenance fees; Free Online and Mobile Banking; Free Mastercard debit card / ATM card

Rate History
No change since Sep 7, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 7, 2026: 0.05% APYSep 7, 2026Sep 28, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
My Rewards Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

when qualifications are not met

Rate History
2 changes since Sep 7, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.50% / low 0.05%
0.00%0.50%1.00%Sep 7, 2026: 0.05% APYSep 19, 2026: 0.50% APYSep 24, 2026: 0.05% APYSep 7, 2026Sep 28, 2026
  • Sep 24, 20260.05%▼ from 0.50%
  • Sep 19, 20260.50%▲ from 0.05%
  • Sep 7, 20260.05%first recorded
State Bank Waterloo, IL
Institution Rating:
C+4.1 ★ Texas Ratio: 25.55%
Cash Rewards Checking
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

Balance: On non-qualifying balances

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Sep 28, 2026
Mid-Missouri Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Kasasa Cash Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedSep 27, 2026
Details

All balances if qualifications not met

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Sep 28, 2026
The Bank of Missouri
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
Kasasa Cash Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Qualifications Required: 15 debit card transactions (posted and settled); Log in to online banking from your favorite device; Receive electronic statements; Balances up to and including $15,000.99 earn 3.00% rate, 3.05% APY. Balances over $15,000.99 earn 0.25% rate, resulting in a range from 3.05% to 0.62% APY. Earn 0.05% APY if monthly qualifications are not met. Nationwide ATM fee refunds, up to $25 per monthly qualification cycle.

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Sep 28, 2026
Midwest BankCentre
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
Max Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $4,998.99

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Sep 28, 2026

St Charles Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Freedom Shield Gold Checking Account ++
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Freedom Shield Plus Checking Account ++
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Free Checking
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $25 Average Daily Balance; Dividends: Paid Quarterly

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Free Kasasa Cash Checking
0.05%
$5,000
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Sep 28, 2026
Sullivan Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
50+ Free Interest Checking
0.01%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 8, 2026: 0.01% APYSep 8, 2026Sep 28, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.27%
Free LoyaltyPlus Checking
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

In months when you don't meet the minimum qualifications for the maximum APY, your money will still earn 0.01% APY. Refund ATM fees up to $15 per month. ($4.50 maximum refund per transaction)

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Sep 28, 2026

St Charles Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Montgomery Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Montgomery eTeen Checking
2.01%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $1,000.00

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 3 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Sep 28, 2026
United Bank of Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.69%
College Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Sep 28, 2026
United Bank of Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.69%
Teen Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Sep 28, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Teen Checking
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

ADB/month

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Sep 28, 2026

St Charles Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
206 N 5th St
St Charles, MO 63301
Business NOW Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 7, 2026: 0.40% APYSep 7, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Elite Business Checking Business
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: Over $100,000.00

Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 3 times
1.42%1.92%2.42%Sep 14, 2026: 1.92% APYSep 14, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Elite Business Checking Business
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 1.87% APY · checked 3 times
1.37%1.87%2.37%Sep 14, 2026: 1.87% APYSep 14, 2026Sep 28, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Elite Business Checking Business
1.81%
$0
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 3 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Premier Business Checking Business
1.50%
$10,000
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $50,000 and Over; Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Business Non-Profit Checking Business
1.16%
$100
▼
Rate1.15%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 1.16% APY · checked 3 times
0.66%1.16%1.66%Sep 19, 2026: 1.16% APYSep 19, 2026Sep 28, 2026
Central Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Business Interest Checking Business
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $2,500.00

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
HomeBank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
Business Interest Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Sep 28, 2026
FCB Banks
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Commercial Interest Checking Business
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $96,000+

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Sep 28, 2026
FCB Banks
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Commercial Interest Checking Business
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $25,000 - $95,999.99

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Sep 28, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Business Interest Checking Business
0.60%
$100
▼
Rate0.60%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $1,000,000+; Amount: $1,000,000+

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Sep 28, 2026
EverBank
Institution Rating:
A5.0 ★ Texas Ratio: 12.49%
Business Interest Checking Business
0.55%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Premier Business Checking Business
0.50%
$10,000
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $25,000 - $49,999.99; Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
FCB Banks
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Commercial Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $1,000 - $24,999.99

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Sep 28, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Business Interest Checking Business
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $100,000 - $499,999; Amount: $100,000 - $499,999

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Sep 28, 2026
EverBank
Institution Rating:
A5.0 ★ Texas Ratio: 12.49%
Small Business Checking Business
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 to $9,999.99

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Sep 28, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
High-Yield Business Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $100,000 or more

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING Business
0.40%
$1,000
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $100,000.00 and over

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Business Interest Checking Business
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $50,000 - $99,999; Amount: $50,000 - $99,999

Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Sep 28, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
High-Yield Business Interest Checking Business
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $50,000-99,999

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING Business
0.25%
$1,000
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Sep 28, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★ Texas Ratio: 2.58%
Premier Business Checking Business
0.25%
$10,000
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $10,000 - $24,99.99; Interest Frequency: Monthly

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Business Ultimate Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $250,000 or more

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Premier Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
Freedom Bank of Southern Missouri
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Business Interest Checking ++ Business
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedSep 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING Business
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $10,000.00 - $49,999.99

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Business Community Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $100,000 to $249,999.99

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Sep 28, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
High-Yield Business Interest Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $25,000-49,999

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Business Super Cash Checking Business
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $50,000+

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Sep 28, 2026
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Business Interest Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $9,999; Amount: $0 - $9,999

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Business Community Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $25,000 to $99,999.99

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Business Ultimate Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $100,000 - $249,999.99

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Sep 28, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
High-Yield Business Interest Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedSep 22, 2026
Details

Balance: $10,000-24,999

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Sep 28, 2026
Community Bank of Pleasant Hill
Institution Rating:
A-4.1 ★ Texas Ratio: 0.00%
Business Super Cash Checking Business
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedSep 28, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Sep 28, 2026
Commercial Bank Saint Louis, MO
Institution Rating:
C+3.5 ★ Texas Ratio: 12.91%
BUSINESS ELITE CHECKING Business
0.10%
$1,000
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 - $9,999.99

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Sep 28, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★ Texas Ratio: 3.90%
Business Interest Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $10,000 and over

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Business Community Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0.01 to $24,999.99

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Sep 28, 2026
ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Business Ultimate Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Sep 28, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Plus Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedSep 27, 2026
Details

Balance: $0 / $1,000

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Sep 28, 2026

St Charles, MO Checking Rate Trends

Compare local St Charles, MO 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.

View Full Missouri Checking Trends
High-Yield Checking MO Avg
1.580%
▼ 0.102 vs 7 days ago

Missouri high-yield checking rates fell 0.102 points over the past 7 days to 1.580% APY.

Free Checking MO Avg
0.779%
▼ 0.041 vs 7 days ago

Missouri free checking rates fell 0.041 points over the past 7 days to 0.779% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

St Charles, MO Checking Rate Forecast, Next 12 Months

Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Missouri figures.

Current High-Yield Avg
1.58%
APY, as of Sep 28, 2026
6-Month Forecast
1.63%
Fed hold assumed
12-Month Forecast
1.68%
Range: 1.43% to 1.88%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60–90 days. Reward and high-yield checking adjust faster than standard accounts.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Top Checking Rates from St Charles, Missouri Institutions

Highest verified APYs available today, updated September 28, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
FSB of St. Charles, MO
Business NOW Checking
A+ 5.0 ★ TX: 2.35%
Min: $100
0.40%
First Bank Creve Coeur, MO
Icon Checking
A+ 5.0 ★ TX: 2.49%
Min: $0
0.20%
Lindell Bank & Trust Company
NOW Checking
A+ 5.0 ★ TX: 1.91%
Min: $0
0.02%
Community Bank of Pleasant Hill
Super Cash Checking
A- 4.1 ★ TX: 0.00%
Min: $25
6.01%
Pony Express Bank
Kasasa Cash Checking
A+ 5.0 ★ TX: 1.27%
Min: $0
5.09%
CU Top 5 Credit Union Rates
Baxter Credit Union
PowerPlusTM Checking
A 5.0 ★ TX: 6.31%
Min: $0
8.00%
1st MidAmerica Credit Union
High Interest Reward Checking
A 5.0 ★ TX: 11.80%
Min: $0
5.00%
United Consumers Credit Union
Kasasa Cash Checking
A 5.0 ★ TX: 6.33%
Min: $0
4.50%
Alliance Credit Union Fenton, MO
Best Interest Checking
A+ 5.0 ★ TX: 4.70%
Min: $0
4.00%
First Community Credit Union
First Rate Checking
A+ 5.0 ★ TX: 3.75%
Min: $0
3.51%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.

What Your Balance Earns at MO Checking Averages

Annual interest earnings at current Missouri average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.

Balance High-Yield Checking (1.580% APY)Monthly Earnings Free Checking (0.779% APY)Monthly Earnings
$2,500 $39.50 / year $3.29 $19.48 / year $1.62
$5,000 $79.01 / year $6.58 $38.95 / year $3.25
$10,000 $158.01 / year $13.17 $77.90 / year $6.49
$25,000 $395.03 / year $32.92 $194.75 / year $16.23
Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Missouri checking rate averages as of September 28, 2026.
56
Institutions with Checking Rates
Available in St Charles, Missouri
31 Banks 25 Credit Unions

About Our St Charles, Missouri Checking Rate Database

MonitorBankRates tracks checking account rates from 31 banks and 25 credit unions offering checking accounts to St Charles, Missouri residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: FSB of St. Charles, MO offers a checking account at 0.40% APY with a minimum deposit of $100. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in St Charles, Missouri

What to compare when shopping for an interest-bearing checking account in St Charles, Missouri

To find the best checking APYs in St Charles, Missouri, start with credit unions and online-only banks: St Charles, Missouri has 25 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.

Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10–15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000–$25,000. The current MO high-yield checking average is 1.580% Use the tables above to find the best available offer.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement, worth checking if an institution has branches or in-network ATMs near you in St Charles, Missouri.

When High-Yield Checking Makes Sense

  • You already use a debit card regularly: the transaction requirements cost you nothing extra
  • Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
  • You want your spending money earning savings-level interest instead of 0%
  • You prefer banking locally: 56 institutions serving St Charles, Missouri report checking rates to our database

Consider an Alternative If…

Missouri Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau (state-level data shown; city data not available)

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$42,774
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.0%
National avg: 4.8%
Checking Earnings on 10% of Salary
$68/yr
At MO HY checking avg 1.580% APY

At today’s MO high-yield checking average of 1.580%, keeping 10% of the local median salary ($4,277) in a high-yield checking account would earn $68 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

High-Yield Checking vs. Other St Charles, Missouri Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in St Charles, Missouri.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current MO Avg APY 1.580% 0.779% View Savings Rates View MMA Rates
Monthly Activity Required ✗ Usually yes (debit + direct deposit) ✓ None ✓ None ✓ None
Balance Cap on Top Rate Common ($10K–$25K) Little or no interest paid ✓ Rarely Tiered: higher balances earn more
FDIC / NCUA Insured ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K
Checks & Debit Card ✓ Unlimited ✓ Unlimited ✗ No ✓ Limited per month
Best For Everyday spending money that also earns Simple no-fee banking, modest balances Emergency fund, larger balances Larger balances wanting some check access

APY data reflects Missouri averages tracked in our database as of September 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

St Charles, Missouri Checking Account Interest Calculator

See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current St Charles, Missouri rate on the right to apply it. Interest compounds monthly.

Interest Earned
$0
Balance Earning Top Rate
$0
Ending Balance
$0

Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.

Current St Charles, Missouri Checking Rates

Verified September 28, 2026 · click a rate to use it
Rates shown are actual verified offers available in St Charles, Missouri and daily averages from our monitoring database. Check each account’s qualifying requirements and rate cap, then model them here. See the full tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St Charles, Missouri 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 St Charles, Missouri 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 St Charles, Missouri. 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 MO.

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 St Charles, Missouri earn interest?

Most traditional local checking accounts in St Charles, Missouri earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in St Charles, Missouri FDIC insured?

Yes. Legitimate banks with branches in St Charles, Missouri are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

What do I need to do to qualify for a high-yield checking rate in St Charles, Missouri?

Most high-yield and rewards checking accounts require qualifying activity each month, typically 10–15 debit card transactions, at least one direct deposit or ACH transfer, and e-statement enrollment. Miss the requirements in a given month and the account usually pays a nominal base rate for that cycle instead of the advertised APY.

Is there a limit on how much of my balance earns the top rate?

Usually, yes. Most high-yield checking accounts pay their advertised APY only on balances up to a cap, commonly $10,000 to $25,000. Amounts above the cap earn a much lower rate, often near 0%. Use the calculator above to model your exact balance against a rate cap.

How do I open a checking account in St Charles, Missouri?

You can open a checking account online or in person at a local branch. You will generally need a government-issued photo ID, your Social Security number, and an opening deposit. Many high-yield checking accounts have low or no minimum opening deposits.

Best Checking Rates in St Charles, Missouri

Based on our current data, some of the highest checking account APYs available to residents of St Charles, Missouri include:
  • FSB of St. Charles, MO
    Premium NOW Checking: 0.40% APY
  • First Bank Creve Coeur, MO
    Icon Checking: 0.20% APY
  • Lindell Bank & Trust Company
    NOW Checking: 0.02% APY
  • Baxter Credit Union
    PowerPlusTM Checking: 8.00% APY
  • Community Bank of Pleasant Hill
    Super Cash Checking: 6.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in St Charles, Missouri. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: September 28, 2026

St Charles, Missouri Rates & Resources