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High Interest Checking Account
Earn interest on your balance with a checking account designed to help your money grow. Get more for your money with easy and secure mobile banking tools, a network of 30+ branches across Kansas and Missouri, and more than 55,000 surcharge-free ATMs.
Looking for a high interest checking account? Emprise Bank offers a simple way to earn competitive interest on your everyday balance while keeping your money accessible. As a community bank serving Wichita and communities across Kansas & Missouri, we combine strong rates with personal service and local support.
Not sure if earning interest or cash back is the better fit?
Compare High Interest vs. Cash Back Checking.
Get rewarded with interest on your monthly balance.
How High Interest Checking Works
A high interest checking account rewards you for maintaining a higher balance and meeting monthly qualifications.
Earn More From Your Balance:
- 3.50% APY* on balances up to $10,000
- 0.35% to 0.64% APY* on the portion of the balance over $10,000
- 0.01% APY* if qualifications are not met
- Access to network of 55,000 surcharge-free ATMs
- Non-network ATM fee refunds up to $25 per month*
- Free digital tools
Make your everyday checking balance work harder for you.
Minimum to open is $100. APY=Annual Percentage Yield. APYs accurate as of 03/27/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) we will refund domestic ATM fees of $4.99 or less, up to an aggregate amount of $25.00; (2) balances up to $10,000 receive APY of 3.50%; and (3) balances over $10,000 earn 0.35% interest rate on portion of balance over $10,000, resulting in 3.50% - 0.64% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings. Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to the account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts and ATM transactions do not count as qualifying transactions.
Why Choose a Community Bank for Checking
With Emprise Bank, you get more than a rate:
- Local decision-making and personalized service
- Bankers who understand our customers and their financial goals
- A long-term relationship, not just an account
Prefer rewards based on spending instead?
See how Cash Back Checking compares.
Who This Account Is For
This high interest checking account is a great fit if you:
- Keep a consistent balance in your checking account
- Want to earn interest instead of rewards on spending
- Want both digital convenience and local support
- Value working with a community bank
Still deciding between earning interest or cash back?
Compare your options side by side.
Monthly Qualifications
To earn a better interest rate and receive ATM fee refunds, you’ll need to:
- Make at least 12 debit card purchases*
- Enroll in eStatements*
- Have at least one direct deposit, automatic deposit, or automatic withdrawal
If you miss a month, your account remains free and resets the next cycle.
Digital Banking That Keeps You in Control
- Mobile and online banking
- Real-time account tracking
- Alerts and notifications
- Easy transfers and bill pay
Frequently Asked Questions
A high interest checking account allows you to earn interest on your balance while still having full access to your money for everyday spending.
It depends on your goals. Checking offers flexibility and accessibility, while savings accounts may offer higher rates for funds you don’t plan to use regularly.
You’ll still keep your account, but you’ll earn a lower interest rate for that cycle.
Yes. You can open your account online fast and easy or visit one of our 30+ local Kansas & Missouri branches.
Ready to Start Earning Interest?
Open your high interest checking account today or compare your options to find the best fit.