# Frontier Bank Big Deal Cash Checking: 4.05% APY

Canonical: https://dealaka.com/offers/frontier-bank-big-deal-cash-checking-rate

- Status: Limited reports
- Bonus: 4.05% APY
- APY: 4.05% (ongoing APY)
- Requirement: Conditional rate; 12 debit txns + DD monthly
- Expires: no published end date
- Availability: Nationwide
- Institution: Frontier Bank
- Verified: Aug 18, 2026 against frontierbank.com
- Field reports: 0

## Summary
Frontier Bank pays 4.05% APY on Big Deal Cash Checking when you meet monthly qualifications. The account has no minimum balance requirement and includes $20 monthly ATM fee refunds. The rate is unconditional for the qualifying period and has been offered for over 12 years.

## Requirements
1. Make 12 debit card purchases each month
2. Receive at least one direct deposit or ACH credit

## Fine print that matters
- This is not a teaser rate and has been maintained for over 12 years
- FDIC insured up to $250,000

## Sources
- frontierbank.com rate page <https://www.frontierbank.com/blog/big-deal-blog> (checked Aug 18, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._