High interest checking accounts may be commonly though of as specific to online banks but there are many small banks, community and regional banks, and credit unions that offer high interest rates on checking accounts. Depending on where you live there may be options for getting a checking account with a rate of around 5%, but it will require some research to find these accounts.
Many smaller, community banks and credit unions are focused on their customers and members rather than stockholders or board members, so it is this simple practice of just banking that allows them to provide higher interest rates on their accounts.
Anyone looking for a higher interest rate on their checking account may want to look in their local area for these accounts from lenders who offer these higher interest rates. Not every community is going to have one, but if you live in or near a sizeable city you may be able to get a great rate on a checking account.
However, you will want to do your research and see what these accounts entail before signing up and make certain that you are getting the best high-interest checking account for you.