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Emprise Bank High Interest Checking account review

Earn up to 1.75% APY and up to $25 in ATM reimbursements, but you’ll need to qualify for these rewards every month.’s rating: 4.4 / 5.0


The Emprise Bank High Interest Checking account is a free checking account with no minimum balance. But you’ll need to complete several qualifying activities every month to unlock its colossal interest rate and ATM rebates.

$0 per month


Up to 1.75%



Minimum deposit to open


APY1.75% on balances of $0 to $10,000 If you make at least 12 debit card purchases, enroll in eStatements, have at least one direct deposit, automatic deposit or withdrawal per statement cycle. Otherwise, 0.01% APY.
0.20% interest rate on portion of balance of $10,000.01+
Fee$0 per month
Minimum deposit to open$100
ATMsOver 55,000 surcharge-free ATMs worldwide
ATM fee rebatesUp to $25 per month but only if you qualify
Out-of-network ATM fee$1.50
Overdraft fee$32

Review by

Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.

Expert review

The Emprise Bank High Interest Checking account offers one of the highest interest rates we’ve seen on a checking account for balances under $10,000. But it’s best for those who typically make more than 12 debit card purchases a month. You’ll also need to stay on top of other monthly requirements, like signing up for estatements and direct deposits to qualify for ATM reimbursements and the highest APY at 1.75% APY.

Also, if you tend to use ATMs regularly, only eight ATMs accept cash deposits, and if you use an out-of-network ATM, expect to pay at least $1.50 per transaction. If you’re after a rewards checking account, consider an account like OnJuno that earns up to 5% in cash back and an APY-like savings bonus of 1.2% on balances up to $50,000.

How do I open an Emprise Bank High Interest Checking account?

Sign up for an account in six steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. Select High Interest Checking and click Open Account Now.
  3. Create an account by inputting your name, email address and phone number.
  4. Confirm your email address by entering the emailed code.
  5. Answer the questions to verify your identity.
  6. Input your funding information.


To qualify for an Emprise Bank High Interest Checking account, you’ll need to meet these requirements:

  • At least 18 years old
  • US citizen or permanent resident
  • $100 minimum deposit

Required information

Here’s what you’ll need during the application process:

  • A valid residential address
  • A valid Social Security number
  • Banking information to fund your account

5 benefits of Emprise Bank’s checking account

Here are the perks of an Emprise Bank High Interest Checking account:

  • No monthly fee. No recurring monthly service charge to use your account.
  • Competitive APY. Earn up to 1.75% APY on balances up to $10,000 when you meet certain monthly requirements. The portion of the balance over that earns 0.2% APY, but when you don’t meet the monthly requirements, you’ll only earn 0.01% APY.
  • ATM fee refunds. If you meet the monthly criteria, Emprise Bank will refund your domestic ATM fees that are less than $5 for a monthly total of $25 in ATM rebates.
  • Overdraft protection. Emprise Bank charges $32 to cover a transaction if you don’t have enough funds in your account. You can also set up an automatic transfer from another account in case you overdraw your account. Each automatic transfer costs $8.
  • Personal finance tool. A free tool in its mobile app that helps you budget, analyze your spending habits, organize transactions and see your net worth.

3 things to watch out for

Despite its strengths, you should be aware of the following disadvantages of an Emprise Bank High Interest Checking account:

  • Opening deposit. You’ll need to set aside $100 to open this checking account.
  • Strict monthly requirements to earn perks. To qualify for the highest APY and ATM reimbursements, you’ll need to make at least 12 debit card purchases every month, receive estatements and have at least one direct deposit.
  • Limited ATM deposits. Only eight out of the 34 Emprise ATMs accepts cash deposits.

How does the interest rate work?

In addition to the monthly requirements, your account balance also determines your interest rate.

  • Your first $10,000 earns 1.75% APY.
  • The portion of your balance over $10,000 earns 0.2% APY.
  • If you don’t meet the monthly requirements, your interest rate drops to 0.01% APY.

Emprise Bank’s ATM network and fees

Emprise Bank has 34 ATMs throughout Kansas, but only eight of those ATMs accept cash deposits.They’re also part of the Allpoint ATM Network, so you’ll get access to over 55,000 free ATMs in addition to those owned by Emprise.

Emprise Bank charges $1.50 for each out-of-network ATM transaction on top of what the ATM owner charges. But if your account qualifies for ATM reimbursements, Emprise Bank will refund you up to $25 per month or $4.99 per single transaction.

Compare Emprise High Interest Checking with other checking accounts

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000 free in-network ATMs
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Finder Rating: 4 / 5: ★★★★★
more than 38,000 ATMs in the MoneyPass ATM network
The Douugh app is an AI assistant focused on your finances.
Chase First Banking℠
Finder Rating: 4.3 / 5: ★★★★★
Chase First Banking℠
16,000 ATMs nationwide
A debit card for teens and kids with a set of digital tools to help them learn good money habits in the Chase Mobile app. Requires parent to have or open a Chase checking account.
Chase Secure Banking℠
Finder Rating: 4.2 / 5: ★★★★★
Chase Secure Banking℠
Access to 16,000 ATMs and more than 4,700 branches nationwide
Chase Secure Banking offers no overdraft services
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.

Compare up to 4 providers

How do I deposit or withdraw my money?

Emprise Bank offers ample ways to access your cash:


  • Eight deposit-accepting ATMs
  • Direct deposit
  • Mobile check deposit
  • Incoming wire transfer


  • Paper checks
  • Debit card
  • Online bill pay
  • Mobile wallets
  • Outgoing wire transfer

What other checking options does Emprise Bank offer?

Aside from High Interest Checking, you can also choose from one other personal checking account and three business checking accounts:

Account nameType of accountHighlights
Cash Back CheckingPersonal
  • Qualifying accounts earn 2% cashback on debit card purchases and ATM reimbursements up to $25 per month.
Business CheckingBusiness
  • Unlimited electronic transactions
  • Waivable $10 monthly fee
Business Interest CheckingBusiness
  • Earns up to 0.2% APY
  • Waivable $10 monthly fee
Treasury Management CheckingBusiness
  • Competitive transaction fees for business with high transaction volume
  • Waivable $10 monthly fee

How to contact Emprise Bank customer service?

Get in touch with an Emprise banker by:

  • Visiting a local branch.
  • Calling 855-383-4301 weekdays 7:30 a.m. to 8 p.m. CT and Saturdays 8:30 a.m. to 2 p.m. CT.
  • Texting 855-491-0368 weekdays 7:30 a.m. to 8 p.m. CT and Saturdays 8:30 a.m. to 2 p.m. CT.
  • Sending an email through the Emprise Bank Secure Email Message Center on its website.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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