Emprise Bank High Interest Checking
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10 reviews
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.34% - 1.75% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | N/A |
Emprise Bank High Interest Checking Review
Emprise Bank High Interest Checking is offered by Emprise Bank, a bank founded in 1910 and based in Wichita, KS. Emprise Bank High Interest Checking is available in 44 states (and Washington, DC).
Key Takeaways
- Personal finance tool. Free tool that allows you to view your spending insights, set budgets and goals.
- Qualified Elgibility Accounts not open to those with poor banking history.
- Very high APY. This account offers an annual percentage yield of up to 1.75%, which is much higher than the average for a checking account.
- $0 monthly fee. This account does not charge a monthly Service Charge.
- $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Up to $25 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Emprise Bank High Interest Checking Pros & Cons
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Emprise Bank High Interest Checking FAQ
Are checking accounts from Emprise Bank federally insured?
Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #4789). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Emprise Bank High Interest Checking offer?
Emprise Bank High Interest Checking offers an APY starting at 0.34% and ranging up to 1.75% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.34% - 1.75% |
What are the account minimums for Emprise Bank High Interest Checking?
Emprise Bank High Interest Checking requires a minimum initial deposit of $100 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | $100 |
What fees does Emprise Bank High Interest Checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| ATM Reimbursement Monthly Limit | $25 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $25 |
| Foreign Transaction Fee (Debit Card) | 2% |
| Monthly Fee | $0 |
| NSF Fee | $32 |
| Online Bill Pay Fee | $1.95 |
| Overdraft Item Fee | $32 |
| Overdraft Protection Fee (per transfer) | $8 |
| Paper Statement Fee | $0 |
| Returned Deposit Fee (Domestic) | $7 |
| Returned Deposit Fee (International) | $7 |
| Stop Payment Fee | $32 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $20 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $40 |
| ATM Fee: Out-of-Network | $1.50 |
Does Emprise Bank High Interest Checking charge overdraft fees?
Yes, Emprise Bank High Interest Checking charges a $32 fee for every overdraft.Emprise Bank High Interest Checking offers overdraft protection at a cost of $8 per transaction.
What features and perks does Emprise Bank High Interest Checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
- Fraud monitoring - Emprise Bank High Interest Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Mobile Banking Services - Emprise Bank High Interest Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Emprise Bank High Interest Checking?
The customer support email for Emprise Bank High Interest Checking is emprise@emprisebank.com .
How do people rate the customer service and user experience of Emprise Bank High Interest Checking?
Overall, Emprise Bank High Interest Checking is strongly recommended based on community reviews that rate customer service and user experience.
Emprise Bank High Interest Checking Disclosure:
*Minimum to open is $100. APY=Annual Percentage Yield. APYs accurate as of 6/10/2021. 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 1.75%; and (3) balances over $10,000 earn 0.20% interest rate on portion of balance over $10,000, resulting in 1.75% - 0.34% 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.
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Message From Emprise Bank
Contact
- Headquarters
-
257 N Broadway
Wichita, KS 67202 - Visit Site
- Email Support
About Emprise Bank High Interest Checking
View all checking accounts offered by Emprise Bank
Availability
Available in 44 states and Washington, D.C.
- Alaska
- Alabama
- Arkansas
- Arizona
- Colorado
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Mexico
- Nevada
- Ohio
- Oklahoma
- Oregon
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Emprise Bank High Interest Checking Community Reviews
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