Cool, Texas Best Checking Accounts & Rates October 2026

Qualifications Required: Cap: $15,000; APY Range: 6.00% to 1.00%; Non-Qual Rate: 0.05%

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

Qualifications Required: At least one (1) direct deposit or ACH credit transaction; At least twelve (12) debit card purchases, each greater than or equal to $5.00; Be enrolled in and have agreed to receive e-statements rather than paper statements; Be enrolled in and log into online banking and access online banking once during the Certification Period.; Balances up to $10,000 earn 5.50% rate / 5.64% APY. Balances over $10,000 earn 1.00% rate on the portion over $10,000.01, resulting in a range from 5.64% to 1.00% APY. If qualifications aren't met, earn 1.00% APY.

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $15,000

Qualifications Required: Average daily balances up to and including $50,000.00 in your Champion Cash account earn an interest rate of 5.00% resulting in an APY of 5.12%; and average daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the average daily balance over $50,000.00, resulting in a range from 5.12% to 0.25% APY depending on the account's average daily balance. When your Champion Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.; Balances up to $50,000.00 earn 5.00% rate. Balances over $50,000.00 earn 0.25% rate. ATM fee reimbursements up to $25.00. APYs accurate as of 10/25/2024.

Balance: $.01 - $20,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01-$10,000

Qualifications Required: 4.90% APY on balances up to $25,000.00; Balance: $0.01 - $25,000.00

Qualifications Required: 16 posted and cleared debit card transactions excluding ATM transactions per statement cycle; 1 posted and cleared ACH automatic debit or credit per statement cycle; receive a monthly eStatement on this account or the APY paid on your entire balance will be 0.00%. These monthly requirements must be completed 3 business days prior to the end of your statement cycle.; Earn 5.00% APY1 on balances up to $40,000 when qualifications are met2. Receive a $100 lender credit when you originate a mortgage loan with Origin Bank during the life of this account. 1After qualifications are met, earn 5.00% Annual Percentage Yield (APY) on balances up to $40,000; earn 0.50% APY for balances above $40,000. APY effective as of 06/01/2026. Fees may reduce earnings. Rate subject to change at any time. A cycle service charge of $14 will be imposed every statement cycle that the average daily balance falls below $4,000. Limited to one account per individual. Closing this account within 90 days of opening results in $25 fee. If you originate a mortgage loan with Origin during the life of this account you will receive a $100 lender credit to be redeemed at the time of your closing; there is no minimum balance required for this benefit.

Qualifications Required: 1,500 in New Money; 15 qualifying debit card transactions; $150 minimum opening deposit; Qualifications Met; Balance: $0.01 - $15,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000

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

Qualifications Required: 15 debit card purchases each month; $500 or more in direct deposits within a monthly cycle in the High-Yield Checking; enrolled in estatements with a valid email address; Balance: up to $15,000; Additional 0.30% APY with qualified Chartway loan or Chartway Visa credit card. Prime share rate effective if qualifications are not met. Balances over $15,000 priced at prime share rate.

Qualifications Required: Must be enrolled in e-statements; Must complete a minimum of 12 point-of-sale transactions of at least $5 per transaction prior to the end of the BUSINESS CALENDAR month; Must have either direct deposit of regular pay or a minimum of 1 ACH debit from account per month.; On the first $15,000 on deposit in the account (average balance), if all qualifiers met.

Qualifications Required: Minimum 20 everyday debit card transactions; Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; Receive e-Statements; Balance of $0 to $149,999.99; ATM service charge refunds are capped at $15 per statement cycle.

up to $10,000; Qualifications Required; Qualifying balance up to $10,000.00

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

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Reward Rate for balances up to $25,000.00

Qualifications Required: Qualifying balance less than and equal to $25,000; Qualifying balance less than and equal to $25,000; Balance: Qualifying balance less than and equal to $25,000

Balance: $0.01 - $1,999.99; Earn dividends with
No minimum balance required.

No monthly maintenance fees.

Balance: All Balances up to $25,000 with Tiered Rates

Qualifications Required: At least 30 debit card purchases; At least 1 direct deposit or ACH payment transaction; Receive eStatements; Nationwide ATM withdrawal fee refunds; Daily balances over $10,000 earn an interest rate of 0.499% on the portion of the daily balance over $10,000, resulting in a range from 4.00% to 0.82% APY depending on the account's daily balance; ATM Rewards: When account qualifications are met, you will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.

Qualifications Required; Qualifying balance up to $25,000.00

Qualifications Required: 3.93% Dividend Rate; 4.00% APY; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $20,000

Introductory APY; Introductory Dividend Rate

balances up to $15,000; Qualifications Required: Qualifications Required; Level 1 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate

Qualifications Required

Qualifications Required: 10 debit card purchases; 1 direct deposit or automatic payment (ACH); enrolled and log into Online Banking (Web-24); enrolled and receive eStatements; Qualifying balance up to $10,000.00; Dividends will be credited to your Bonus Checking account on the first processing/business day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle. APYs accurate as of 08/01/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Bonus Checking is a trademark of Kasasa, Ltd., registered in the U.S.A. 2026 Qualification Calendar

Balance: $0.01 - $30,000; Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Interest paid monthly

No additional details provided.

Qualifications Required: Minimum 20 everyday debit card transactions; Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; Receive e-Statements; Balance of $0 to $149,999.99; ATM service charge refunds are capped at $15 per statement cycle.

up to $10,000; Qualifications Required; Qualifying balance up to $10,000.00

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

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Reward Rate for balances up to $25,000.00

Qualifications Required: Qualifying balance less than and equal to $25,000; Qualifying balance less than and equal to $25,000; Balance: Qualifying balance less than and equal to $25,000

Qualifications Required: At least 30 debit card purchases; At least 1 direct deposit or ACH payment transaction; Receive eStatements; Nationwide ATM withdrawal fee refunds; Daily balances over $10,000 earn an interest rate of 0.499% on the portion of the daily balance over $10,000, resulting in a range from 4.00% to 0.82% APY depending on the account's daily balance; ATM Rewards: When account qualifications are met, you will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.

Qualifications Required: 3.93% Dividend Rate; 4.00% APY; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $20,000

Qualifications Required

Qualifications Required; Average daily balances up to and including $25,000; ATM withdrawal fee refunds up to $25 per cycle nationwide

Qualifications Required; Qualifying balance up to $25,000.00

Qualifications Required: Minimum 20 everyday debit card transactions; Minimum 4 ACH items must post and settle; Minimum 1 bill payment must post and settle; Receive e-Statements; Balance of $150,000 and over; ATM service charge refunds are capped at $15 per statement cycle.

Balance: $0.01 - $9,999.99

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $100,000

Qualifications Required: All balances if qualifications not met; Balance: 0 - $20,000

Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: <= $25,000.00

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $100,000.01+

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $25,000.01+

Qualifications Required: At least 1 direct deposit or ACH credit transaction(s); At least 20 debit card purchases, each greater than $5.00; Balances over $15,000 earn an interest rate of 0.499% resulting in a range from 2.02% to 0.50% APY, depending on the account's average daily balance. Interest will be compounded monthly. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. We use the average daily balance method to calculate the interest on your Kasasa Cash account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. For noncash items (for example, checks), interest begins to accrue on the business day of your deposit. You may make an unlimited number of deposits into your account. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 'Monthly Qualification Cycle' means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. 'Banking Day' means any business day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions. 'Business Day' means a calendar day other than a Saturday or a Sunday and all Federal Holidays. 'Statement Cycle' means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Interest Rates, APY, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive Statement Cycles. We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. If the account is closed, you will forfeit any rewards that have not been credited to your account. No deposits will be accepted and no checks will be paid after the account is closed. An official bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open this account. eStatement is a condition of this account. See accompanying schedule of Limits and Fees Disclosure for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Contact one of our bank service representatives for additional information. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Qualifications Required: 1. Must have at least 12 debit card purchases post and settle; 2. Must have at least 1 direct deposit or ACH payment post and settle; 3. Must be enrolled in and agree to receive e-statements; 4. Must be enrolled in online banking and log in at least once during the monthly qualification cycle.; Balance: 0 - $15,000

Qualifications Required: At least 15 debit card purchases; At least 1 direct deposit or ACH payment transaction; Receive eStatements; Nationwide ATM withdrawal fee refunds; Daily balances over $10,000 earn an interest rate of 0.499% on the portion of the daily balance over $10,000, resulting in a range from 2.00% to 0.64% APY depending on the account's daily balance; ATM Rewards: When account qualifications are met, you will also receive reimbursements up to the aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $100 - $15,000

Balance: $0 to $10,000; APY: 2.00% to 0.41%

Balance: Up to $50,000

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Balances up to $10,000.00 (when qualifications are met); Variable Interest Rate; APY*

Qualifications Required: Qualifications Met; Balance: Less than $10,000.00; Qualifications Met

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

All balances if qualifications not met

Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: >= $25,000.01

Balance: $500,000.00 or more

Qualifications Required: At least one (1) direct deposit or ACH credit transaction; At least twelve (12) debit card purchases, each greater than or equal to $5.00; Be enrolled in and have agreed to receive e-statements rather than paper statements; Be enrolled in and log into online banking and access online banking once during the Certification Period.; If qualifications aren't met, earn 1.00% APY. Balances up to $10,000 earn 5.50% rate / 5.64% APY. Balances over $10,000 earn 1.00% rate on the portion over $10,000.01, resulting in a range from 5.64% to 1.00% APY.

Qualifications Required: 10+ card transactions per month; e-statements enrollment; Interest is paid on all active checking accounts defined as 10+ card transactions per month plus e-statements. Interest is compounded and credited monthly. APY is earned when dividend is posted to your Checking Account. APY = Annual Percentage Yield. Rates may change at any time without prior notice. Fees or other conditions could reduce the earnings to the account. APY is accurate as of 12/16/2022.

Balance: $25,000.00- 99,999.99

Balance: $500 - $2,499.99

Balance: $10,000.00-24,999.99

No additional details provided.

No additional details provided.

Earn Dividends: Earn up to 0.05% APY* for balances $1,250 and over

No additional details provided.

No additional details provided.

No additional details provided.

No additional details provided.

When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APYs accurate as of 07/01/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Limit 1 account per social security number / individual taxpayer identification number.