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Home Checking Accounts Alabama Checking Dothan, Alabama iAdvertiser Disclosure
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Best Banks & Checking Accounts in Dothan, Alabama - April 2026

The best checking rates for Dothan, Alabama include Five Star Credit UnionFive Star Credit Union674 N Oates St, Dothan, AL 36303 4530A5.0 ★Texas Ratio: 7.24% YOUR Five Star Checking at 0.25% APY, BankPlusBankPlus4482 W Main St, Dothan, AL 36305A+5.0 ★Texas Ratio: 2.28% InvestmentPlus Checking at 0.05% APY, Pen Air Credit UnionPen Air Credit UnionA+5.0 ★Texas Ratio: 3.02% High-Yield Checking at 5.05% APY, Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, ALA5.0 ★Texas Ratio: 11.42% Ultimate Checking at 5.00% APY, and Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY. Checking account rates as of April 11, 2026 according to verified data from MonitorBankRates.

Dothan has 2 local institutions in our database, with checking rates as high as 0.25% APY from Five Star Credit Union at 674 N Oates St, Dothan, AL, 36303 4530. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Dothan, Alabama. Checking Account Rates Last Updated and Verified: April 11, 2026

Compare Checking Account Rates Today in Dothan, Alabama & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Five Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.24%
674 N Oates St
Dothan, AL 36303 4530
YOUR Five Star Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4482 W Main St
Dothan, AL 36305
InvestmentPlus Checking
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Five Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.24%
674 N Oates St
Dothan, AL 36303 4530
Share Draft Checking Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No longer offered after 8/19/2018

Five Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.24%
674 N Oates St
Dothan, AL 36303 4530
YOUR Fabulous 50 Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Five Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.24%
674 N Oates St
Dothan, AL 36303 4530
Checking Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

See Checking Options

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4482 W Main St
Dothan, AL 36305
ValuePlus Interest Checking
0.05%
$1,500
Rate0.00%
Min Deposit$1,500
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4482 W Main St
Dothan, AL 36305
PrimePlus Checking
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
High-Yield Checking
5.05%
$0
Rate5.05%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
Ultimate Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifying balance up to $15,000.00

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Checking Plus Qualified
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements; Qualifying balance up to $25,000

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
KASASA Cash (Checking)
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Advantage Checking
3.50%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
High Voltage Checking Tier 1
3.40%
$0
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifying balance up to $4,999.99

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Achieve Checking
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Qualifying balance up to $15,000.00

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

No additional details provided.

Heritage South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Premium Rewards Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Citizens Bank & Trust (AL)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Citizens Cash Checking
3.00%
$25
Rate2.96%
Min Deposit$25
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $15,000.00

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Advantage Checking
2.50%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
High Voltage Checking Tier 2
2.38%
$0
Rate2.35%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4482 W Main St
Dothan, AL 36305
InvestmentPlus Checking
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4482 W Main St
Dothan, AL 36305
ValuePlus Interest Checking
0.05%
$1,500
Rate0.00%
Min Deposit$1,500
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4482 W Main St
Dothan, AL 36305
PrimePlus Checking
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
High-Yield Checking
5.05%
$0
Rate5.05%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Checking Plus Qualified
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements; Qualifying balance up to $25,000

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
Ultimate Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifying balance up to $15,000.00

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
KASASA Cash (Checking)
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Advantage Checking
3.50%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
High Voltage Checking Tier 1
3.40%
$0
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifying balance up to $4,999.99

Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Achieve Checking
3.04%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Qualifying balance up to $15,000.00

Citizens Bank & Trust (AL)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Citizens Cash Checking
3.00%
$25
Rate2.96%
Min Deposit$25
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $15,000.00

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

No additional details provided.

Heritage South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Premium Rewards Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Advantage Checking
2.50%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
High Voltage Checking Tier 2
2.38%
$0
Rate2.35%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Growth Checking Account
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Youth Checking
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Growth Checking Account
1.55%
$0
Rate1.54%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Growth Checking Account
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
KASASA Cash (Checking)
4.07%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Heritage South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Premium Rewards Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Platinum Rewards Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Youth Checking
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Student Interest Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Youth Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
2462 Montgomery Hwy
Dothan, AL 36303 3254
Business Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
2378 W Main St
Dothan, AL 36301
Business Choice Checking with Interest
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
2462 Montgomery Hwy
Dothan, AL 36303 3254
Business Premium Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
2462 Montgomery Hwy
Dothan, AL 36303 3254
Business Premium Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Union State Bank Pell City, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Business Checking with Interest
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifying balance up to $1,499.99

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
Business Premier Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

($5,000 required average daily balance)

Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
ASE Business Checking Plus Dividends
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

No additional details provided.

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Vision Business Checking
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Balances equal to or greater than $20,000.01

First Fidelity Bank Fort Payne, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Interest Business Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

No additional details provided.

Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
Business Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

($2,500 required average daily balance)

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Effective 4/1/2026

Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Vision Business Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Balances less than $20,000.00

Dothan, AL Checking Rate Trends

Compare local Dothan, AL checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alabama Checking Trends →
High-Yield Checking — AL Avg
2.710%
▼ 0.580 vs 7 days ago

Alabama high-yield checking rates fell 0.580 points over the past 7 days to 2.710% APY.

Free Checking — AL Avg
1.230%
▲ 0.282 vs 7 days ago

Alabama free checking rates rose 0.282 points over the past 7 days to 1.230% APY.

As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Dothan, Alabama directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Dothan, Alabama. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in AL.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Dothan, Alabama earn interest?

Most traditional local checking accounts in Dothan, Alabama earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Dothan, Alabama FDIC insured?

Yes. Legitimate banks with branches in Dothan, Alabama are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Dothan, Alabama

Based on our current data, some of the highest checking account APYs available to residents of Dothan, Alabama include:
  • Five Star Credit Union
    YOUR Five Star Checking — 0.25% APY
  • BankPlus
    InvestmentPlus Checking — 0.05% APY
  • Pen Air Credit Union
    High-Yield Checking — 5.05% APY
  • Guardian Credit Union Montgomery, AL
    Ultimate Checking — 5.00% APY
  • Keesler Federal Credit Union
    Checking Plus Qualified — 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Dothan, Alabama. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 11, 2026