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Checking Rate Trends

Track the movements of checking account APYs across all 50 states. Compare state-by-state variations, view week-over-week averages charted, and identify where APYs are shifting the fastest.

Current High-Yield Checking Average
1.616%
▲ 0.009 this week
As of Oct 13, 2026
Current Rewards Checking Average
1.595%
▲ 0.009 this week
As of Oct 13, 2026

Insights & Actions

📈 Free Dataset Tools Embed, download, social images & more. ← Shop Checking Rates Compare live offers from top institutions. Jump to State Map See APYs heat-mapped across all 50 states. View State Reports Compare weekly APY changes by state. Request Custom Data Contact us for media data pulls.

Current Checking Rate Trends

The High-Yield Checking rose by 0.009 this week, pushing the current average APY to 1.616%. Savers depositing this week are earning more than they would have last week, when the average stood at 1.607%.

The Rewards Checking also moved higher this week, rising to 1.595% from 1.586% last week. The High-Yield Checking leads Rewards Checking by 0.021 percentage points.

The checking account rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.

Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated checking account rate database spanning community banks, regional lenders, large institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving savers, journalists, and financial professionals a more accurate benchmark for where APYs actually stand across the country.

State-Level Checking Rate Heatmap

Hover over a state to see its current High-Yield Checking average and weekly change. Click on any state to view its complete historical trend report.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
Highest APYs Above average Below average Lowest APYs

States colored by quartile of current High-Yield Checking APY averages. Hover any state for its rate, rank and weekly change; click to open that state’s trend page. Rates shown to two decimals on the map, three in the tooltip.

Free to reuse with the citation shown on the image.

Weekly Checking Rate Reports

Weekly average checking rate data releases from MonitorBankRates.com.

Oct 6, 2026
Week of October 6, 2026 Average Checking Rates: High-Yield at 1.611% | October 6, 2026
Sep 29, 2026
Week of September 29, 2026 Average Checking Rates: High-Yield at 1.581% | September 29, 2026
Sep 22, 2026
Week of September 22, 2026 Average Checking Rates: High-Yield at 1.682% | September 22, 2026
Sep 16, 2026
Week of September 16, 2026 Average Checking Rates: High-Yield at 1.874% | September 16, 2026
View all checking rate reports

For Media, Researchers & Real Estate Professionals

The checking account rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to account holders, not promotional teaser rates. Every day we aggregate those individual data points into overall averages that represent a true, real-market picture of what consumers across the U.S. are being offered today.

Unlike rate comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated checking account rate database spanning community banks, regional lenders, large institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving consumers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like across the country.

Journalists, financial professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report, and optionally link to https://www.monitorbankrates.com/checking-account-rates/trends/. For custom data pulls, contact us here.

Checking Rate Trends

Daily average APYs across all checking products. Hover over the chart to see exact APYs for each day.

As of Oct 13, 2026 • Data provided by MonitorBankRates.com

Free Data Tools

Use This Data on Your Website, Article, or Social

Free for anyone to use, financial professionals, journalists, bloggers, and academic researchers. All data compiled from 8,500+ banks and credit unions. Citation required, attribution link optional.

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Source: MonitorBankRates.com

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Average Checking Rates MonitorBankRates.com
HIGH-YIELD CHECKING 1.616% ▲ 0.009
REWARDS CHECKING 1.595% ▲ 0.009
FREE CHECKING 0.768% ▲ 0.001
Updated weekly. Source: MonitorBankRates.com

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