http://www.usaa.com has cash rewards and rewards debit cards tied to a checking account. I have the cash one and get anywhere from $8 - $20 a month. They pay me for using the debit card as a credit card, so just say credit when asked and you get paid. With the reward card you get points instead of cash but I don't recommend that. USAA just opened their doors to non-military so go check it out!

Good Luck!

Hi Paul, Many probably don't realize that by "rewards checking", you're referring not just to interest-bearing checking accounts, but a specific product type that pays VERY high interest in return for specific beahvior. To answer your question, no. Credit Unions and smaller banks only offer rewards checking. One reason for this is that BancVue, the company who helps design these products, targets smaller institutions looking to improve their loyalty and grow their asset base.

I'm guessing one reason you might like a larger bank would be to insure banking with these products is convenient for you. One workaround: pick a credit union that accepts deposits via ATMs and partakes in the "shared branching network". This will allow you to do most anything at any credit union that belongs to these groups (and most credit unions do). This is how I effortlessly use a few different rewards checking accounts with institutions outside my region. If you're interested, I wrote a more in depth review of rewards checking accounts on my blog.

CitiGold checking is Interest bearing.