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Best Banks & Checking Accounts in Madison, Wisconsin - March 2026

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Brian McKay Brian McKay
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Brian McKay

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| 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 Madison, Wisconsin include Landmark Credit UnionLandmark Credit Union1101 Spring St, Madison, WI 53715A+5.0 ★Texas Ratio: 3.95% Premium Checking at 7.50% APY, Connexus Credit UnionConnexus Credit Union2555 Shopko Dr, Madison, WI 53704B-4.3 ★Texas Ratio: 22.87% Xtraordinary Checking at 5.00% APY, Dupaco Community Credit UnionDupaco Community Credit Union3762 E Washington Ave, Madison, WI 53704 3647A+5.0 ★Texas Ratio: 4.16% 1st Rate Checking at 3.00% APY, Great Midwest BankGreat Midwest Bank6702 Odana Rd, Madison, WI 53719A5.0 ★Texas Ratio: 9.41% Elite Interest Checking at 0.15% APY, and University of Wisconsin Credit UnionUniversity of Wisconsin Credit Union3500 University Ave, Madison, WI 53705A+5.0 ★Texas Ratio: 4.81% Checking at 0.05% APY.

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

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

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

Madison, WI Checking Rate Trends

Compare local Madison, WI 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 Wisconsin Checking Trends →
High-Yield Checking — WI Avg
0.550%
▲ 0.412 from last week

Wisconsin high-yield checking rates rose 0.412 points this week to 0.550% APY, up from 0.138% last week.

Rewards Checking — WI Avg
2.187%
▲ 0.743 from last week

Wisconsin rewards checking rates rose 0.743 points this week to 2.187% 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 Madison, Wisconsin & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Premium Checking
7.50%
$0
View
▼
Rate7.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Xtraordinary Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
3762 E Washington Ave
Madison, WI 53704 3647
1st Rate Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
3762 E Washington Ave
Madison, WI 53704 3647
1st Rate Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
50 Plus Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
3500 University Ave
Madison, WI 53705
Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Rewards, Business, Trust & Estate

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
VIP Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.37%
5325 Wall St Ste D
Madison, WI 53718 7982
Checking Account
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
151 W Corporate DR
Madison, WI 53714 2409
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Direct Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
949 E Washington Ave
Madison, WI 53703
Interest Checking
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bank Five Nine
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
5315 Wall St Ste 200
Madison, WI 53718
Relationship Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

DMB Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
10 Terrace Ct
Madison, WI 53718
NOW Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

$2,500 and Above

Lake Ridge Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1965 Atwood Ave
Madison, WI 53704
Forward Checking Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

DMB Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
10 Terrace Ct
Madison, WI 53718
NOW Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

$0 - $2,499.99

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Premium Checking
7.50%
$0
View
▼
Rate7.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Xtraordinary Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
3762 E Washington Ave
Madison, WI 53704 3647
1st Rate Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
50 Plus Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Direct Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
949 E Washington Ave
Madison, WI 53703
Interest Checking
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Lake Ridge Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1965 Atwood Ave
Madison, WI 53704
Forward Checking Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2020 Innovation Ct
Green Bay, WI 54344 0001
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
1015 Marquette Ave
South Milwaukee, WI 53172
Hero Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $500.00

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
1015 Marquette Ave
South Milwaukee, WI 53172
MaxInterest Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $500.00

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
127 West Ave N
La Crosse, WI 54601 3528
My Prize Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: ACH direct deposit(s) of $500 or more to your checking account; enrollment in eStatements; a minimum of fifteen (15) purchases using your debit card; Qualifying balance up to $777

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
720 E Wisconsin Ave
Milwaukee, WI 53202
Free Kasasa Cash Checking*
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$0 - $10,000; Qualifying balance up to $10,000.00

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
3401 E Calumet St
Appleton, WI 54915 4757
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $5,000.00

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
3131 Mishicot Rd
Two Rivers, WI 54241
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Prospera Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
4830 N Ballard Rd
Appleton, WI 54913
Connect Plus Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1117 S 10th St
Manitowoc, WI 54220 5211
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $7,500

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
720 E Wisconsin Ave
Milwaukee, WI 53202
Free Kasasa Cash Checking*
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$0 - $10,000; Qualifying balance up to $10,000.00

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1117 S 10th St
Manitowoc, WI 54220 5211
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $7,500

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
3401 E Calumet St
Appleton, WI 54915 4757
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $5,000.00

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
3131 Mishicot Rd
Two Rivers, WI 54241
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bristol Morgan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.54%
103 S Main St
Oakfield, WI 53065
Rewards Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

First National B&T Co. Clinton, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
36450 Main St
Whitehall, WI 54773
Cash Back Checking
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $8.75

1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1000 W Wisconsin St
Sparta, WI 54656 2230
1st Rewards Checking
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.01

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
124 W Oak St
Sparta, WI 54656
Rewards Checking Tier 1
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
124 W Oak St
Sparta, WI 54656
Rewards Checking
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Up to $10,000.00; Qualifying balance up to $10,000.00

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
222 E Upham St
Marshfield, WI 54449 1543
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $15,000.00

Bluff View Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
16893 S Main St
Galesville, WI 54630
Kasasa Cash Checking
2.50%
$50
View
▼
Rate2.47%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Minimum Opening Deposit $50.00; Qualifying balance up to $10,000.00

Bank of Deerfield
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15 S Main St
Deerfield, WI 53531
Easy Rewards Checking2
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $10,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7027 Green Bay Rd
Kenosha, WI 53142
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
51 E 1st St
Fond Du Lac, WI 54935
Rewards Plus Checking
1.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $20,000.00

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
51 E 1st St
Fond Du Lac, WI 54935
FVSBank Rewards Plus Checking
1.00%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Collins State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
20741 County Road Jj
Collins, WI 54207
MainStreet Rewards Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
124 N Main Street
Birchwood, WI 54817
Rewards Checking
0.30%
$10,000
View
▼
Rate0.30%
Min Deposit$10,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
124 N Main Street
Birchwood, WI 54817
Rewards Checking
0.20%
$2,500
View
▼
Rate0.20%
Min Deposit$2,500
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Collins State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
20741 County Road Jj
Collins, WI 54207
MainStreet Rewards Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

over $25,000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
151 W Corporate DR
Madison, WI 53714 2409
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
720 E Wisconsin Ave
Milwaukee, WI 53202
Free Kasasa Cash Checking*
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$0 - $10,000; Qualifying balance up to $10,000.00

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1117 S 10th St
Manitowoc, WI 54220 5211
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $7,500

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
7027 Green Bay Rd
Kenosha, WI 53142
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Community Bank of Cameron
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
101 W Main St
Cameron, WI 54822
Simple Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Indianhead Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
104 E MAPLE ST
SPOONER, WI 54801 1482
Basic Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Community State Bank Union Grove, WI
Institution Rating:
B+4.7 ★ Texas Ratio: 18.58%
1500 Main St
Union Grove, WI 53182
Simple Checking with Interest
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Community Bank of Cameron
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
101 W Main St
Cameron, WI 54822
Simple Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
720 E Wisconsin Ave
Milwaukee, WI 53202
Free Classic Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

BLC Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
206 E Main St
Little Chute, WI 54140
Carefree Interest Checking
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Gundersen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1910 South Ave
La Crosse, WI 54601
Free Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Wolf River Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
309 E Main St
Hortonville, WI 54944
Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

$100 to open account. Avoid $3 monthly service charge with eStatements OR direct deposit.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
225 La Crosse St
La Crosse, WI 54601 3253
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
100 E Main St
Black River Falls, WI 54615
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
2626 S Oneida St
Appleton, WI 54915 2101
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
3131 Mishicot Rd
Two Rivers, WI 54241
Worry-FreeTM Hometown Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
121 Sutliff Ave
Rhinelander, WI 54501
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Brewery Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.11%
1351 N DR MARTIN LUTHER KING JR DR
MILWAUKEE, WI 53212 4024
FREEDOM 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
Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

The District Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
255 Fiserv Dr
Brookfield, WI 53045 5815
Teen Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Ladysmith Federal S&L
Institution Rating:
B4.5 ★ Texas Ratio: 20.88%
119 W 4th St N
Ladysmith, WI 54848
Student Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Superior Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1130 Tower Ave
Superior, WI 54880
Youth Checking
0.01%
$5
View
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
6715 Green Bay Rd
Kenosha, WI 53142 1425
Moneywise Teen Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
121 Sutliff Ave
Rhinelander, WI 54501
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Business 600 Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Business 250 Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Business Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Citizens State Bank Hudson, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
375 Stageline Rd
Hudson, WI 54016
Business Interest Checking
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
1501 S 10th Ave
Fort McCoy, WI 54656 5115
Premier Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $4,999.99

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
222 E Upham St
Marshfield, WI 54449 1543
Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
2626 S Oneida St
Appleton, WI 54915 2101
Business Checking Tier 3
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
222 E Upham St
Marshfield, WI 54449 1543
Business Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
6715 Green Bay Rd
Kenosha, WI 53142 1425
Capital Business Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter

Ergo Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
86 E Water St
Markesan, WI 53946
Business Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

$15,000.01

Bluff View Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
16893 S Main St
Galesville, WI 54630
Checking with Interest (Personal and Business)
0.25%
$500
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

Minimum Opening Deposit $500.00

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
6715 Green Bay Rd
Kenosha, WI 53142 1425
Capital Business Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2020 Innovation Ct
Green Bay, WI 54344 0001
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
926 W College Ave
Appleton, WI 54914 5261
Business Premium Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
2626 S Oneida St
Appleton, WI 54915 2101
Business Checking Tier 2
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
222 E Upham St
Marshfield, WI 54449 1543
Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Ergo Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
86 E Water St
Markesan, WI 53946
Business Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

$5,000.01 - $15,000.00

Spring Bank Brookfield, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
16620 W Bluemound Rd Ste 100a
Brookfield, WI 53005
Non Profit Business Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
124 N Main Street
Birchwood, WI 54817
Small Business Interest Checking
0.25%
$50,000
View
▼
Rate0.25%
Min Deposit$50,000
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Northwestern Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
202 N Bridge St
Chippewa Falls, WI 54729
Business Interest Checking & Municipal Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Madison, Wisconsin 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 Madison, Wisconsin. 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 WI.

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 Madison, Wisconsin earn interest?

Most traditional local checking accounts in Madison, Wisconsin 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 Madison, Wisconsin FDIC insured?

Yes. Legitimate banks with branches in Madison, Wisconsin 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 Madison, Wisconsin

Based on our current data, some of the highest checking account APYs available to residents of Madison, Wisconsin include:
  • Landmark Credit Union
    Premium Checking — 7.50% APY
  • Connexus Credit Union
    Xtraordinary Checking — 5.00% APY
  • Dupaco Community Credit Union
    1st Rate Checking — 3.00% APY
  • Great Midwest Bank
    Elite Interest Checking — 0.15% APY
  • University of Wisconsin Credit Union
    Checking — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Madison, Wisconsin. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Madison, Wisconsin Rates & Resources

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