Reward Checking Rates usually offer more than the saving rates that you can find on the web. It is a fairly new concept that is bringing back power to smaller banks and credit unions, as larger banks continue to become less attractive in today's economy. In return for the higher rates offered, there are usually 2-3 requirements that must be met to receive the rate monthly. The usual (though not always) requirements are:

Make 10 Debit Card transactions (Banks receive money & reputation for card transactions)
Make at least 1 Direct Deposit, ACH transfer, OR Bill Pay every month (Banks receive money & reputation for this as well)
-Receive statements online, instead of mail (Saves the bank's time & money)

Feel free to search Rewards Checking. They're usually FDIC or NCUA insured. Oh, and you're welcome. :)