Best Banks & Checking Accounts in Coltons Point, Maryland - July 2026
Brian McKay
Brian McKay
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The best checking rates for Coltons Point, Maryland include Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 11.23% at 5.25% APY, Mid-Atlantic Federal Credit UnionMid-Atlantic Federal Credit UnionA5.0 ★Texas Ratio: 6.48% Cash Rewards Checking at 5.00% APY, SkyPoint Federal Credit UnionSkyPoint Federal Credit UnionA5.0 ★Texas Ratio: 10.48% High Yield Checking at 4.00% APY, Destinations Credit UnionDestinations Credit UnionA+5.0 ★Texas Ratio: 4.01% PREFERRED Rewards Checking at 3.25% APY, and Freedom Of Maryland Federal Credit UnionFreedom Of Maryland Federal Credit UnionA5.0 ★Texas Ratio: 8.78% Empower Checking at 3.00% APY. Checking account rates as of July 25, 2026 according to verified data from MonitorBankRates.
Coltons Point is a smaller community with no bank or credit union branches currently in our database. 40 institutions serving the Maryland area are available to Coltons Point residents, with checking rates as high as 5.25% APY from Andrews Federal Credit Union. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Coltons Point, Maryland. Checking Account Rates Last Updated and Verified: July 25, 2026
Compare Checking Account Rates Today in Coltons Point, Maryland & the Surrounding Area
Coltons Point Checking Account Rates
Qualifications Required; Balance $0.01 - $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Balance Tier: $0 - $20,000.00
Qualifications Required: 4.00% APY on balances up to $20,000.00
Qualifications Required; Up to $10,000
Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card; opt-in to electronic statements; Annual Percentage Yield (APY) as of January 17, 2025. Balances that do not meet the account requirements for a given month will earn 0.05% APY. No minimum balance requirements. No minimum to open account. No monthly maintenance fees or penalties. Fees may reduce earnings on accounts. To earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change. Membership eligibility applies.
$1,500 minimum balance to avoid $10 monthly maintenance fee.
- $0.25 fee per transaction in excess of 200.
- Interest credited monthly.
- interest will not be earned if daily balance falls below $1,500.
Balances $100,000 or less
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
$1,500 minimum balance to avoid $10 monthly maintenance fee.
- $0.25 fee per transaction in excess of 200.
- Interest credited monthly.
- interest will not be earned if daily balance falls below $1,500.
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
Dividends are compounded daily and paid monthly. If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
No additional details provided.
Earn up to 1.00%*
Earn up to 1.00%***
Balances $100,000 or more
No additional details provided.
Balance: $0.01 - $500.00
Coltons Point High Yield Checking Rates
Qualifications Required; Balance $0.01 - $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Balance Tier: $0 - $20,000.00
Qualifications Required; Up to $10,000
Qualifications Required: 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card; opt-in to electronic statements; Annual Percentage Yield (APY) as of January 17, 2025. Balances that do not meet the account requirements for a given month will earn 0.05% APY. No minimum balance requirements. No minimum to open account. No monthly maintenance fees or penalties. Fees may reduce earnings on accounts. To earn the higher rate, you must opt-in to electronic statements, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using your Freedom Federal Credit Union debit card. To qualify, debit card transactions must process, post, and clear within the calendar month. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. Product and rates subject to change. Membership eligibility applies.
Balances $100,000 or less
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
Dividends are compounded daily and paid monthly. If a balance of less than $250 is maintained, there is no penalty, but dividends are not paid on the account.
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
Debit card with no fee transactions at CFG Bank and AllpointTM ATMs - Access to over 55,000+ global ATMs as part of the AllpointTM network - No fee for online and mobile banking, electronic statements, and bill pay - No fee for first order of basic checks
Earn up to 1.00%***
No additional details provided.
Balance: $0.01 - $500.00
Earn up to 1.00%*
Balances $100,000 or more
No additional details provided.
Balance Tier: $20,000.01 and Over
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Coltons Point Rewards Checking Rates
Qualifications Required; Balance $0.01 - $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required; Up to $10,000
Qualifications Required; Balance $25,000.01 and more
Qualifications Required; Over $10,000
Portion of balance $10,000.00 and over
Qualifications Required: 6 (six) transactions per calendar month; minimum balance of $1000; Existing Rewards Checking Accounts will incur a $10 monthly service charge if the minimum requirements of 6 (six) transactions per calendar month AND a minimum balance of $1000 are not met.
Qualifications Required; Qualifying balance greater than $10,000.00
No additional details provided.
If Qualifications are NOT Met
Qualifications Not Met; Balance $.01 or more if qualifications are not met
All balances if qualifications not met
Qualifications Required: 12 Debit Card purchases; Be enrolled in and agree to receive eStatements; Be enrolled in and log into PAL Plus online banking; APY if qualifications aren't met; Refunds on ATM fees charged to Kasasa Cash, nationwide up to $25 monthly; APYs accurate as of 01/01/2026. APY calculations are based on an assumed balance of $10,000 + $240,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. Fees may reduce earnings. Dividends and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, WEPCO credit card purchases, debit card purchases processed by merchants and received by the Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by WEPCO. Transactions bundled together by merchants and received by WEPCO as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact us for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Coltons Point Free Checking Rates
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required: 12 Debit Card purchases; Be enrolled in and agree to receive eStatements; Be enrolled in and log into PAL Plus online banking; APY if qualifications aren't met; Refunds on ATM fees charged to Kasasa Cash, nationwide up to $25 monthly; APYs accurate as of 01/01/2026. APY calculations are based on an assumed balance of $10,000 + $240,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. Fees may reduce earnings. Dividends and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count towards earning account rewards: ATM-processed transactions, transfers between accounts, WEPCO credit card purchases, debit card purchases processed by merchants and received by the Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by WEPCO. Transactions bundled together by merchants and received by WEPCO as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact us for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
No additional details provided.
No additional details provided.
No additional details provided.
Coltons Point Student Checking Rates
Balance: $0.01 - $500.00
Balance: $500.01 - and Above
No additional details provided.
No additional details provided.
No additional details provided.
Coltons Point Business Checking Rates
Qualifications Required: 4.00% APY on balances up to $20,000.00
$1,500 minimum balance to avoid $10 monthly maintenance fee.
- $0.25 fee per transaction in excess of 200.
- Interest credited monthly.
- interest will not be earned if daily balance falls below $1,500.
$1,500 minimum balance to avoid $10 monthly maintenance fee.
- $0.25 fee per transaction in excess of 200.
- Interest credited monthly.
- interest will not be earned if daily balance falls below $1,500.
No additional details provided.
$1,500 minimum balance to avoid $10 monthly maintenance fee.
- $0.25 fee per transaction in excess of 200.
- Interest credited monthly.
- interest will not be earned if daily balance falls below $1,500.
$5,000,000.00 - $25,000,000.00
No additional details provided.
$0.00 - $4,999,999.99
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Coltons Point, MD Checking Rate Trends
Compare local Coltons Point, MD 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.
Maryland high-yield checking rates rose 0.332 points over the past 7 days to 2.062% APY.
Maryland free checking rates rose 0.027 points over the past 7 days to 0.258% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Coltons Point, Maryland checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Coltons Point, Maryland 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 sourcing this data 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 Coltons Point, Maryland. 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 MD.
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 Coltons Point, Maryland earn interest?
Are banks in Coltons Point, Maryland FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Coltons Point, Maryland
- Andrews Federal Credit Union
— 5.25% APY - Mid-Atlantic Federal Credit Union
Cash Rewards Checking — 5.00% APY - SkyPoint Federal Credit Union
High Yield Checking — 4.00% APY - Destinations Credit Union
PREFERRED Rewards Checking — 3.25% APY - Freedom Of Maryland Federal Credit Union
Empower Checking — 3.00% APY
Coltons Point, Maryland Rates & Resources
