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  Emprise Bank High Interest Checking
Emprise Bank High Interest Checking
in Checking Accounts from Emprise Bank · Member FDIC
Claimed

Emprise Bank High Interest Checking

Claimed
in Checking Accounts from Emprise Bank · Member FDIC
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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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 are 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 annual percentage yield (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 any monthly account fees.
  • $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

Pros Cons
  • ATM fee refunds.
  • Available in 44 states.
  • High variable APY.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • Accounts not open to those with poor banking history.
  • No signup bonus.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.

Emprise Bank High Interest Checking FAQ

Are checking accounts from Emprise Bank federally insured?

Yes, your deposits are 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).

Emprise Bank High Interest Checking Rates and Terms
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.

Emprise Bank High Interest Checking Minimums
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.

Emprise Bank High Interest Checking Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
ATM Reimbursement Monthly Limit $25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $8
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
Paper Statement Fee $0
Online Bill Pay Fee $1.95
Debit Card Replacement Fee $5
Early Account Closure $25

Does Emprise Bank High Interest Checking charge overdraft fees?

Yes, Emprise Bank High Interest Checking charges a $32 fee for every overdraft. You can get 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 .

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Emprise Bank High Interest Checking

To earn higher interest and ATM fee refunds is super simple. To qualify each month, just do convenient things that you’re probably already doing: make at least 12 debit card purchases, enroll in eStatements, and have at least one direct deposit, automatic deposit or withdrawal.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:30am - 8:00pm
  • Tuesday 7:30am - 8:00pm
  • Wednesday 7:30am - 8:00pm
  • Thursday 7:30am - 8:00pm
  • Friday 7:30am - 8:00pm
  • Saturday 8:30am - 2:00pm

About Emprise Bank High Interest Checking

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View all checking accounts offered by Emprise Bank

Availability

  Available in 44 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $100
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
ATM Reimbursement Monthly Limit $25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $8
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
Paper Statement Fee $0
Online Bill Pay Fee $1.95
Debit Card Replacement Fee $5
Early Account Closure $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • U.S. Tax Identification Number
  • Social Security Number
Account Features
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management
APY (Annual Percentage Yield) 0.34% - 1.75%

Emprise Bank High Interest Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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