Royal Bank of Missouri is a St. Louis-based bank that has been FDIC insured since 1965 and rates 3.5 stars (sound) by Bauer Financial.
The bank has a reward checking account open to residents of all states that pays 4.30% APY on balances up to $25,000 (1.40% for above) and refunds ATM fees of up to $25 per cycle if the following monthly requirements are met:
- 10 point of sale debit card transactions
- 1 direct deposit or ACH debit/credit
- E-Statements
If these are not met, the rate falls to 0.15%. The minimum initial deposit is $100. There are no minimum balance requirements or monthly service fees.
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