Redneck Bank Rewards Checkin' Account 2025 Review

Redneck Bank may have a funny-sounding name but it takes rewards checking seriously. This high-yield checking account earns an exceptional rate, with no minimum balance requirements and no monthly maintenance fees. 

Redneck Bank Rewards Checkin' helps you earn interest on balances up to $15,000. You get the benefit of free ATM transactions worldwide, plus the convenience of online and mobile banking. 

You might consider opening this account if you:

• Want to earn a top-tier rate on checking balances
• Don't plan to keep more than $15,000 in checking
• Are interested in ATM fee reimbursements
• Have at least $500 to get started

You can open the Rewards Checkin' account online with just a few pieces of information and your $500 opening deposit. If you're looking for a savings option to go with checking, Redneck Bank also offers a high-yield money market account. 
And in case you're wondering, Redneck Bank is a real bank. It's the Internet banking division of All America Bank, which is headquartered in Oklahoma City, Oklahoma.

Compared to Other Checking Accounts

Evergreen Bank Group Free Rewards Checking

Evergreen Bank Group Free Rewards Checking features a competitive rate on balances up to $25,000. There are no monthly maintenance fees and you can get foreign ATM fees refunded. The minimum opening deposit requirement is just $100 and Evergreen offers a Free Linked Saver account if you'd like to earn interest on savings balances. 

Read our full editorial review of the Evergreen Bank Group Free Rewards Checking account

First Tech CU Rewards Checking

First Tech Credit Union Rewards Checking also offers an excellent APY on balances up to $15,000. There are no monthly fees but you will need to be eligible for First Tech CU membership to open this account. The credit union's field of membership extends to people who are employed in the tech field, work for the State of Oregon, or live in Lane County, Oregon. 

Read our full editorial review of the First Tech CU Rewards Checking account

Evergreen Money High Yield Checking

Evergreen Money, not to be confused with Evergreen Bank Group, offers a high-yield checking account with a twist. The money you keep in your account is swept into high-yield Treasury bills, allowing you to earn an above-average rate. You'll need at least $10,000 to open this account but it's one you might consider if you're looking for a way to safely generate higher yields with a checking account. 

Read our full editorial review of the Evergreen Money High Yield Checking account

Bank5 Connect High-Interest Checking 

Bank5 Connect High-Interest Checking pays a solid rate, though it's lower than what you'll find at some online banks. There are no monthly maintenance fees and you'll need just $100 to open an account. As an added plus, you can earn cash-back rewards on eligible purchases with your Bank5 Connect debit card. 

Read our full editorial review of the Bank5 Connect High-Interest Checking account

Interest and Rewards

Redneck Bank offers rewards in the form of interest. Other banks may offer cash back on debit card purchases or a combination of cashback and interest. 

The APY is one of the best you'll find among high-yield checking accounts. It easily surpasses the rates traditional banks offer. 

There are two requirements to earn rewards:

• Make at least 10 qualifying debit card transactions per month
• Enroll in electronic statements

You don't need to set up a monthly direct deposit to qualify, which some banks do require.

Once your balance passes $15,000, the APY drops to a significantly lower rate. If you anticipate keeping a higher balance in checking, you could open a Redneck Bank Mega Money Market account and transfer some of the funds over. 

The Mega Money Market account features a slightly lower APY than Rewards Checkin' but it's still a highly competitive rate. The minimum opening deposit for this account is also $500.   

Fees

Any time you're opening a new bank account it's important to consider the fees. Online banks like Redneck Bank tend to be more fee-friendly than traditional banks, but they're not fee-free. 

Here's a list of the most important fees to know.

Other Service Fees - Redneck Bank Rewards Checkin

Redneck Bank offers ATM fee reimbursements if you're charged for using another bank's machine. The cap on fee refunds is $25 per month. 

Branch and ATM Access

Redneck Bank is an internet-only bank, so you won't be able to visit a branch. You can, however, use any ATM to withdraw cash or check balances. 

There's an ATM locator tool on the Redneck Bank website and in the mobile app. You'll just need to enter your zip code (or turn on location settings in the app) to find an ATM near you. 

If ATM access matters to you it's helpful to know which ones you can use and whether you'll be able to get any foreign ATM surcharges refunded. Redneck Bank's fee schedule doesn't mention any fees for using another bank's ATM but competitor banks may charge for that. 

Account Access

Redneck Bank offers online and mobile banking access, and again, you can use virtually any ATM. 

If you need to deposit money you can:

• Transfer funds from a linked account at another bank
• Deposit checks through the mobile app
• Set up direct deposit for your paychecks or other payments you receive
• Schedule a wire transfer

Redneck Bank offers a person-to-person money transfer service that lets you send and receive payments with people you know. 

Zelle isn't available through online or mobile banking, but you can still use it to make fee-free transfers. You'll need to download the Zelle app, create a free account, and link your Redneck Bank Rewards Checkin' account. 

Once you've done that, you're set up to send and receive payments. Standard Zelle transfer limits apply. 

FDIC Insurance

FDIC insurance exists to protect depositors when a bank fails. Bank failures are uncommon but when they do happen, the FDIC is there to help consumers get their money back. 

Redneck Bank is FDIC-insured through All America Bank, so your money is covered. The standard FDIC insurance limit is $250,000 per account owner. 

What You Need to Open

It's easy to open a Rewards Checkin' account online. You'll need to enter your mobile number and date of birth, then choose which account you want to open. 

Once you've done that you'll get a text with a link you'll need to tap to verify your phone number. You'll then be redirected to the application page. 

From there, you can your personal information, including your:

• Social Security number
• Driver's license number or state-issued ID number
• Mother's maiden name
• Address and email

You'll need to link a bank account to make your opening deposit. The minimum deposit required is $500. If you'd like to add a joint owner to your account you can do so. You'll need their name, date of birth, Social Security number, and mother's maiden name. 

Frequently Asked Questions

Is Redneck Bank a real bank?

Redneck Bank is a legitimate online bank that offers high-yield checking accounts and money market accounts. While the bank has an unusual name and according to its website, boasts a team that includes a horse, a chicken, and a goat, it's a 100% real financial institution. 

Does Redneck Bank offer savings accounts? 

Redneck Bank offers a Mega Money Market account, but there's no separate high-yield savings account. The money market account pays a competitive APY on balances and has no monthly maintenance fees. You'll need $500 to open this account. 

Is there a catch with rewards checking accounts? 

Rewards checking accounts may have a "catch" if there are requirements to earn rewards. For instance, it's common for banks to expect you to make a certain number of debit card transactions per month, enroll in direct deposit, and/or sign up for paperless statements to qualify for the rewards program.