My credit union pays 3.25% on checking if you jump through the hoops (online statements, 10 debit or credit card transactions a month, $300 ach credit/month or $5000 balance across checking, savings, loans at the credit union).

It's the same rate they have for savings... they've previously had competitive savings rate, but they have been raising rates slowly this time.

I had thought the online high yield savings accounts also had high yield checking, but I don't see much currently. I only saw one offer from a bank whose name I don't recognize.

Some of the brokerages offer a checking account that sweeps into money market, or checkwriting against moneymarket holdings, you can look around a bit there.