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Best Banks & Checking Accounts in Madison, Wisconsin - April 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 4, 2026

The best checking rates for Madison, Wisconsin include Landmark Credit UnionLandmark Credit Union1101 Spring St, Madison, WI 53715A+5.0 ★Texas Ratio: 3.95% Premium Checking at 7.50% APY, Connexus Credit UnionConnexus Credit Union2555 Shopko Dr, Madison, WI 53704B-4.3 ★Texas Ratio: 22.87% Xtraordinary Checking at 5.00% APY, Dupaco Community Credit UnionDupaco Community Credit Union3762 E Washington Ave, Madison, WI 53704 3647A+5.0 ★Texas Ratio: 4.16% 1st Rate Checking at 3.00% APY, Great Midwest BankGreat Midwest Bank6702 Odana Rd, Madison, WI 53719A5.0 ★Texas Ratio: 9.41% Elite Interest Checking at 0.15% APY, and Capital Area Realtors Federal Credit UnionCapital Area Realtors Federal Credit Union5325 Wall St Ste D, Madison, WI 53718 7982B-4.4 ★Texas Ratio: 22.37% Checking Account at 0.05% APY. Checking account rates as of April 4, 2026 according to verified data from MonitorBankRates.

Madison has 12 local institutions in our database, with checking rates as high as 7.50% APY from Landmark Credit Union at 1101 Spring St, Madison, WI, 53715. 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 Madison, Wisconsin. Checking Account Rates Last Updated and Verified: April 4, 2026

Compare Checking Account Rates Today in Madison, Wisconsin & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Premium Checking
7.50%
$0
View
▼
Rate7.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Xtraordinary Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
3762 E Washington Ave
Madison, WI 53704 3647
1st Rate Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
3762 E Washington Ave
Madison, WI 53704 3647
1st Rate Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
50 Plus Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
VIP Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Capital Area Realtors Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.37%
5325 Wall St Ste D
Madison, WI 53718 7982
Checking Account
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
151 W Corporate DR
Madison, WI 53714 2409
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

University of Wisconsin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
3500 University Ave
Madison, WI 53705
Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Rewards, Business, Trust & Estate

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Direct Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
949 E Washington Ave
Madison, WI 53703
Interest Checking
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

DMB Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
10 Terrace Ct
Madison, WI 53718
Checking Accounts1
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Bank Five Nine
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
5315 Wall St Ste 200
Madison, WI 53718
Relationship Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Lake Ridge Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1965 Atwood Ave
Madison, WI 53704
Forward Checking Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

DMB Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
10 Terrace Ct
Madison, WI 53718
Checking Accounts1
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Old National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
23 W Main St
Madison, WI 53703
ONB Preferred Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Premium Checking
7.50%
$0
View
▼
Rate7.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Xtraordinary Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Dupaco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.16%
3762 E Washington Ave
Madison, WI 53704 3647
1st Rate Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
50 Plus Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Elite Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Great Midwest Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
6702 Odana Rd
Madison, WI 53719
Direct Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Madison Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
949 E Washington Ave
Madison, WI 53703
Interest Checking
0.02%
$25
View
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Lake Ridge Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1965 Atwood Ave
Madison, WI 53704
Forward Checking Plus
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
Hero Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $500.00

PyraMax Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
MaxInterest Checking
7.50%
$25
View
▼
Rate7.25%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $500.00

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Kasasa Cash Checking*
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$0 - $10,000; Qualifying balance up to $10,000.00

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $7,500

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $5,000.00

Prospera Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
Connect Plus Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Qualifications Required; Qualifying balance up to $5,000.00

Park City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
PCCU Cash (Checking)
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $15,000.00

Guardian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Assurance Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Qualifying balance up to $500.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Kasasa Cash Checking*
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$0 - $10,000; Qualifying balance up to $10,000.00

Fox Communities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.46%
Fox Rewards Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $5,000.00

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $7,500

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
Hometown Cash Back Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Bristol Morgan Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.54%
Rewards Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $15,000.00

First National B&T Co. Clinton, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Cash Back checking account
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required: Qualifications apply; earn 3.50% cash back on debit card purchases - up to $8.75 per month.

First National B&T Co. Clinton, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Cash Back Checking
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $8.75 per month.

1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.79%
1st Rewards Checking
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.01

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Rewards Checking Tier 1
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $10,000.00

River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
Rewards Checking
3.04%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedApr 2, 2026
Details

Up to $10,000.00; Qualifying balance up to $10,000.00

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $15,000.00

Bluff View Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Kasasa Cash Checking
2.50%
$50
View
▼
Rate2.47%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details

Minimum Opening Deposit $50.00; Qualifying balance up to $10,000.00

Bank of Deerfield
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Easy Rewards Checking2
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $10,000.00

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
FVSBank Rewards Plus Checking
1.00%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Fox Valley Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Rewards Plus Checking
1.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifying balance up to $15,000.00

Citizens State Bank of Loyal
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Loyal Rewards Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Collins State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
MainStreet Rewards Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Rewards Checking
0.30%
$10,000
View
▼
Rate0.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
151 W Corporate DR
Madison, WI 53714 2409
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Community Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Kasasa Cash Checking*
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$0 - $10,000; Qualifying balance up to $10,000.00

UnitedOne Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $7,500

First American Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Everyday Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifying balance up to $15,000.00

Community Bank of Cameron
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Simple Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Indianhead Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
Basic Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Community State Bank Union Grove, WI
Institution Rating:
B+4.7 ★ Texas Ratio: 18.58%
Simple Checking with Interest
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Community Bank of Cameron
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Simple Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Northwestern Mutual Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Free Classic Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

BLC Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Carefree Interest Checking
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Gundersen Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Free Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

WaterStone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Wolf River Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

$100 to open account. Avoid $3 monthly service charge with eStatements OR direct deposit.

Brewery Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.11%
FREEDOM CHECKING
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

CO-OP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Shoreline Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.83%
Worry-FreeTM Hometown Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Connexus Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.87%
2555 Shopko Dr
Madison, WI 53704
Teen Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

The District Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
Teen Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Ladysmith Federal S&L
Institution Rating:
B4.5 ★ Texas Ratio: 20.88%
Student Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Superior Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Youth Checking
0.01%
$5
View
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Moneywise Teen Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Ripco Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.88%
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Business 250 Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Free Business Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
1101 Spring St
Madison, WI 53715
Business 600 Checking Plus Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

State Bank of Newburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
WOW Business Checking Tier 3: signature debit card trans and over
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$5,000

Citizens State Bank Hudson, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
Business Interest Checking
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Premier Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Qualifying balance up to $4,999.99

State Bank of Newburg
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
WOW Business Checking Tier 2: signature debit card trans
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$1,000 - $4,999.99

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
Business Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
Business Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Business Checking Tier 3
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Ergo Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Business Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

TruStone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
Capital Business Checking
0.30%
$100
View
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details

$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter

Ergo Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
Business Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Bluff View Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Checking with Interest (Personal and Business)
0.25%
$500
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Minimum Opening Deposit $500.00

Dairy State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Small Business Interest Checking
0.25%
$50,000
View
▼
Rate0.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Simplicity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.89%
Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Business Checking Tier 2
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
Business Premium Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Spring Bank Brookfield, WI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Non Profit Business Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Madison, WI Checking Rate Trends

Compare local Madison, WI 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 Wisconsin Checking Trends →
High-Yield Checking — WI Avg
3.932%
▲ 3.399 vs 7 days ago

Wisconsin high-yield checking rates rose 3.399 points over the past 7 days to 3.932% APY.

Free Checking — WI Avg
0.569%
▲ 0.455 vs 7 days ago

Wisconsin free checking rates rose 0.455 points over the past 7 days to 0.569% APY.

As of Apr 5, 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 Madison, Wisconsin 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 Madison, Wisconsin. 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 WI.

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 Madison, Wisconsin earn interest?

Most traditional local checking accounts in Madison, Wisconsin 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 Madison, Wisconsin FDIC insured?

Yes. Legitimate banks with branches in Madison, Wisconsin 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 Madison, Wisconsin

Based on our current data, some of the highest checking account APYs available to residents of Madison, Wisconsin include:
  • Landmark Credit Union
    Premium Checking — 7.50% APY
  • Connexus Credit Union
    Xtraordinary Checking — 5.00% APY
  • Dupaco Community Credit Union
    1st Rate Checking — 3.00% APY
  • Great Midwest Bank
    Elite Interest Checking — 0.15% APY
  • Capital Area Realtors Federal Credit Union
    Checking Account — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Madison, Wisconsin. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 4, 2026

Madison, Wisconsin Rates & Resources

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