Looking for a checking account that handsomely pays you back? Focus Bank of Missouri and Arkansas is offering a “MAXimum Free Checking Account” with no monthly service charges, no minimum balance requirements, and no direct deposit required.

Balances up to $25,000 earn a whopping 4.51% Annual Percentage Yield (APY). MAXimum Free Checking account holders also enjoy ATM fee refunds up to $25 per statement cycle, free wallet-style checks, free ATM/debit card, free 24-hour telephone banking, free online banking, free bill pay (with eStatement sign-up), and free direct deposit/automatic drafts. Additionally, qualified customers receive a $500 overdraft privilege, though if you’re earning 4.51% APY, I’d say that it behooves you to maintain the largest account balance possible.

In order to qualify for the monthly benefits, you must meet these three criteria each month:

• Make 10 debit card purchases
• Access online banking once
• Enroll and receive eStatements

If you don’t fulfill your end of the bargain in a month, you still earn .1% APY, which is better than 0% APY, which might be what you’re earning on your current checking account.

Rates are subject to change: cycle dates are available here. For more information, or to apply online, visit Focus Bank’s MAXimum Free Checking page.