Focus Bank, is currently offering 4.51% interest on balances up to $25,000 on it’s MAXimm free checking account. Balances over $25,000 earn 1.01%. Focus bank is based in Arkansas and Missouri.

In order to receive this rate, you must:

• Make 10 debit card purchases every billing cycle
• Receive e-statements
• Access your online account once a month

On the other hand, unlike most rewards checking accounts you don’t need to make direct deposits or set up automatic payments from your account.

It doesn’t charge a fee for using other banks ATMs and will reimburse you for up to $25 a month in ATM fees imposed by the machine’s owners.

You must receive e-statements, which qualifies you for free bill payment, and you have to access your online account once a month, but Focus Bank provides a handy calendar of billing cycle deadlines.

The interest rate drops to 0.10% for the month and you won’t be reimbursed for any ATM fees if you don’t meet the requirements.

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