Earn 4.51% APY and kiss ATM fees goodbye forever with FOCUS Bank’s MAXimum Free Checking Account.
FOCUS Bank is a community bank offering one of the highest yields on checking accounts in the country. There are NO monthly service charges and NO minimum balance requirements.
Here’s what you get with this free checking account:
- 4.51% APY on checking account balances up to $25,000
- 1.01% APY* on checking account balances over $25,000
- If monthly qualifications still aren’t met, you still earn 0.10% APY
- ATM Fee refunds up to $25 per statement cycle
- $100 Opening Deposit
- Free Checks
- Free ATM/Debit Card
- Free 24-Hour Mobile Banking
- Free Online Banking
- Free Bill Pay
- Free Image Statement
- Free Direct Deposit/Automatic Drafts
- 50% Discount on Personal One-On Style
- $500 Overdraft Privilege
About FOCUS Bank
FOCUS Bank is a community bank, founded in 1930, and is FDIC insured. FOCUS Bank is located in Southeast Missouri and Northeast Arkansas.



















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