MonitorBankRates
☰
Home › Checking Accounts › Ohio Checking › Defiance, Ohio Ohio Checking Rate Trends iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Defiance, Ohio - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Defiance, Ohio include Farmers & Merchants State Bank Archbold, OHFarmers & Merchants State Bank Archbold, OH1175 Hotel Dr, Defiance, OH 43512A5.0 ★Texas Ratio: 6.88% LOYALTY REWARDS CHECKING at 5.05% APY, Superior Credit UnionSuperior Credit Union8959 N STATE ROUTE 66 STE B, DEFIANCE, OH 43512 8380A+5.0 ★Texas Ratio: 0.36% iChecking Accounts at 2.25% APY, The State Bank and Trust Co.The State Bank and Trust Co.401 Clinton St, Defiance, OH 43512A+5.0 ★Texas Ratio: 3.03% Smart Rewards Checking - Level 3 at 1.25% APY, Midwest Community Federal Credit UnionMidwest Community Federal Credit Union8770 N State Route 66, Defiance, OH 43512 8254A5.0 ★Texas Ratio: 7.16% Elite Rewards Checking Account at 0.05% APY, and SSB Sherwood State BankSSB Sherwood State Bank400 W 3rd St, Defiance, OH 43512A-5.0 ★Texas Ratio: 14.39% Super Now Checking at 0.03% APY.

Looking for the best checking accounts in Defiance, Ohio? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Defiance, Ohio, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Defiance, Ohio. Checking Account Rates Last Updated and Verified: March 21, 2026

Defiance, OH Checking Rate Trends

Compare local Defiance, OH checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Ohio Checking Trends →
High-Yield Checking — OH Avg
0.504%
▲ 0.366 from last week

Ohio high-yield checking rates rose 0.366 points this week to 0.504% APY, up from 0.138% last week.

Rewards Checking — OH Avg
1.733%
▲ 0.289 from last week

Ohio rewards checking rates rose 0.289 points this week to 1.733% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Defiance, Ohio & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 3
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
iChecking Accounts
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
iChecking Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
iChecking Accounts
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
0.53%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
0.27%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 2
0.17%
$0
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
0.17%
$0
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 2
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 2
0.09%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 2
0.07%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
8770 N State Route 66
Defiance, OH 43512 8254
Elite Rewards Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
8770 N State Route 66
Defiance, OH 43512 8254
Elite Rewards Checking Account
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

SSB Sherwood State Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.39%
400 W 3rd St
Defiance, OH 43512
Super Now Checking
0.03%
$2,500
View
▼
Rate0.03%
Min Deposit$2,500
Min Balance—
UpdatedMar 21, 2026
Details

Monthly compounding

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 1
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 1
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

SSB Sherwood State Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.39%
400 W 3rd St
Defiance, OH 43512
Now Checking
0.02%
$750
View
▼
Rate0.02%
Min Deposit$750
Min Balance—
UpdatedMar 21, 2026
Details

Monthly compounding

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 3
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
iChecking Accounts
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
iChecking Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
iChecking Accounts
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
315 Croghan St
Fremont, OH 43420 3013
Hi-Lo Checking
10.47%
$50
View
▼
Rate10.00%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $1,500.00

Bridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1980 W Broad St
Columbus, OH 43223
Diamond Dividend Checking
10.00%
$0
View
▼
Rate10.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Up to 1st $1,500; Everyday APY*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7000 Cardinal Pl
Dublin, OH 43017 1091
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Main Street Bank Corp
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
120 N 4th St
Toronto, OH 43964
Impact Checking
6.00%
$100
View
▼
Rate5.84%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
116 Eastlawn Dr
Marion, OH 43302
Ultra Checking
5.00%
$50
View
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

First State Bank Winchester, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
19230 State Route 136
Winchester, OH 45697
Kasasa Cash Back Checking
5.00%
$50
View
▼
Rate5.00%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking; Qualifying balance up to $240.00

Portage Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
1311 E Main St
Ravenna, OH 44266
Neighbor Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $25,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
690 Schrock Rd
Columbus, OH 43229 1123
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7000 Cardinal Pl
Dublin, OH 43017 1091
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1711 W FREMONT RD
PORT CLINTON, OH 43452
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
8763 Union Centre Blvd
West Chester, OH 45069
Get Green Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st St
Miamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

Riverside Bank of Dublin
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
555 Metro Pl N
Dublin, OH 43017
15 Months - must have a checking account with direct deposit
3.35%
$500
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
First Choice Rewards Checking
3.10%
$50
View
▼
Rate3.05%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 3
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
5.05%
$0
View
▼
Rate4.94%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
0.53%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards Checking - Level 3
0.27%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
0.17%
$0
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 2
0.17%
$0
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 2
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 2
0.09%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 2
0.07%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
8770 N State Route 66
Defiance, OH 43512 8254
Elite Rewards Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
8770 N State Route 66
Defiance, OH 43512 8254
Elite Rewards Checking Account
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 1
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
1175 Hotel Dr
Defiance, OH 43512
LOYALTY REWARDS CHECKING Tier 1
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required

The State Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
401 Clinton St
Defiance, OH 43512
Smart Rewards & Classic Rewards Checking - Level 1
0.01%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First State Bank Winchester, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
19230 State Route 136
Winchester, OH 45697
Kasasa Cash Back Checking
5.00%
$50
View
▼
Rate5.00%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking; Qualifying balance up to $240.00

Portage Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
1311 E Main St
Ravenna, OH 44266
Neighbor Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $25,000.00

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st St
Miamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1711 W FREMONT RD
PORT CLINTON, OH 43452
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st St
Miamisburg, OH 45342
Free Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $20,000.00

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st St
Miamisburg, OH 45342
Freedom Checking
0.25%
$2,000
View
▼
Rate0.25%
Min Deposit$2,000
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
First Choice Basic Checking
0.25%
$50
View
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
First Choice Basic Checking
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
First Choice Basic Checking
0.15%
$50
View
▼
Rate0.15%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
First Choice Basic Checking
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
10485 Reading Rd
Cincinnati, OH 45241 2523
Premium FREE Checking account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

F&M Bank Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
41 S 1st St
Miamisburg, OH 45342
Freedom Checking
0.05%
$2,000
View
▼
Rate0.05%
Min Deposit$2,000
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
First Choice Basic Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
10485 Reading Rd
Cincinnati, OH 45241 2523
Premium FREE Checking account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
10485 Reading Rd
Cincinnati, OH 45241 2523
FREE Checking account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

CLEARVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
127 W 6th St
East Liverpool, OH 43920 2921
Simple Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Home Loan SB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
413 Main St
Coshocton, OH 43812
Free Checking plus interest
0.01%
$50
View
▼
Rate0.01%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
10485 Reading Rd
Cincinnati, OH 45241 2523
FREE Checking account
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Achieve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
340 Griswold Rd
Elyria, OH 44035
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Seven Seventeen Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.83%
3181 Larchmont Ave NE
Warren, OH 44483 2435
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.99%
338 S Patterson Blvd
Dayton, OH 45402 2845
Free Share Draft Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First Mutual Bank, FSB
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
605 Washington Blvd
Belpre, OH 45714
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

KH Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
7740 Paragon Rd
Dayton, OH 45459
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Warsaw Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
3533 Warsaw Ave
Cincinnati, OH 45205
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Greenville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
100 S Main St
Ansonia, OH 45303
Student More Cash Back Checking
3.00%
$25
View
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; earn up to $10 cash back per cycle

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
201 N Vance St
Carey, OH 43316 1038
Youth Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
832 Cleveland St
Elyria, OH 44035 4141
Launch Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
Business iChecking Accounts
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
Business iChecking Accounts
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
Business iChecking Accounts
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
8770 N State Route 66
Defiance, OH 43512 8254
Advantage Business Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
8770 N State Route 66
Defiance, OH 43512 8254
Advantage Business Checking Account
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Superior Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
8959 N STATE ROUTE 66 STE B
DEFIANCE, OH 43512 8380
Business iChecking Accounts
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Directions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
5121 Whiteford Rd
Sylvania, OH 43560
Business Premier Plus Checking
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
Business Interest and Non-Profit Business Checking
2.07%
$100
View
▼
Rate2.05%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
Business Interest and Non-Profit Business Checking
1.26%
$100
View
▼
Rate1.25%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
Business Interest and Non-Profit Business Checking
1.06%
$100
View
▼
Rate1.05%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Bridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1980 W Broad St
Columbus, OH 43223
Business Interest Bearing Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

$50 Minimum; Everyday APY*

FNB of Pandora
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
102 E Main St
Pandora, OH 45877
Business Interest and Non-Profit Business Checking
0.80%
$100
View
▼
Rate0.80%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
140 Public Sq
Cleveland, OH 44114
Business Checking with Interest
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland Rd
Maumee, OH 43537
Premium Business Checking
0.75%
$5,000
View
▼
Rate0.75%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland Rd
Maumee, OH 43537
Business Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland Rd
Maumee, OH 43537
Premium Business Checking
0.65%
$5,000
View
▼
Rate0.65%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland Rd
Maumee, OH 43537
Business Checking
0.65%
$1,000
View
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland Rd
Maumee, OH 43537
Premium Business Checking
0.60%
$5,000
View
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
1627 Holland Rd
Maumee, OH 43537
Business Checking
0.60%
$1,000
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Community Bank Zanesville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
113 N 5th St
Zanesville, OH 43701
Business Select Checking
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Defiance, Ohio 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 pulling this data straight 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 Defiance, Ohio. 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 OH.

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 Defiance, Ohio earn interest?

Most traditional local checking accounts in Defiance, Ohio 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 Defiance, Ohio FDIC insured?

Yes. Legitimate banks with branches in Defiance, Ohio 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.

Best Checking Rates in Defiance, Ohio

Based on our current data, some of the highest checking account APYs available to residents of Defiance, Ohio include:
  • Farmers & Merchants State Bank Archbold, OH
    LOYALTY REWARDS CHECKING — 5.05% APY
  • Superior Credit Union
    iChecking Accounts — 2.25% APY
  • The State Bank and Trust Co.
    Smart Rewards Checking - Level 3 — 1.25% APY
  • Midwest Community Federal Credit Union
    Elite Rewards Checking Account — 0.05% APY
  • SSB Sherwood State Bank
    Super Now Checking — 0.03% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Defiance, Ohio. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Defiance, Ohio Rates & Resources

$
Defiance, Ohio CD Rates
$
Defiance, Ohio Savings Rates
$
Defiance, Ohio Money Market Rates
$
Defiance, Ohio Mortgage Rates
$
Defiance, Ohio Auto Loan Rates
$
Defiance, Ohio Personal Loan Rates