WalletHub helps you compare checking accounts from banks and credit unions across the country that meet your needs. If you’re willing to give up the convenience of local branches, make sure to consider online-only banks, which offer the best interest rates and lowest fees, according to the WalletHub Banking Landscape Report. If access to local ATMs and branches is your priority, you can search for the banks and credit unions nearest you.
The best checking accounts offer low fees, low or no minimum balance requirements and even an interest rate For the best tips and tricks to getting checking account that serves your needs, check out our Q&A section below.
The best checking accounts offer low fees, low or no minimum balance requirements and even an interest rate For the best tips and tricks to getting checking account that serves your needs, check out our Q&A section below.
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Updating Checking Accounts
Axos Bank Rewards Checking Account
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $50,000 | 3.30% |
- Minimum to Open: $50
Additional Info
- Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
- Zero monthly maintenance fees.
- Zero overdraft or NSF fees.
- Zero minimum monthly balance reqs.
- Unlimited domestic ATM fee reimbursements.
- Online debit card management.
- Simple, 3-step process for direct deposit.
- Only $50 to open an account.
- Learn more about the Axos Bank Rewards Checking Account
More Details
Axos Bank Business Interest Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $50,000 | 1.01% |
| $50,000 - $250,000 | 0.20% |
| $250,000 - $5,000,000 | 0.10% |
- Minimum to Open: $100
Additional Info
- Business owners get up to $400 welcome bonus!*
- Open a business checking account by Feb. 29 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
- Up to 1.01% APY*
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 50 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
- Learn more about the Axos Bank Business Interest Checking
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SoFi Checking and Savings
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.50% |
- Minimum to Open: $0
Additional Info
- SoFi offers a combined checking and savings account. You get a checking account and a savings account when you open a SoFi bank account.
- Open a SoFi Checking and Savings account and earn up to a $300 cash bonus when you set up direct deposit, and pay no account fees. Here's How:
- (a) Sign up and set up direct deposit.
- (b) Wait for your direct deposit to hit your account (typically 2-4 weeks)
- (c) Collect a cash bonus of $50 to $300 depending on your direct deposit amount.
- No overdraft fees.
- No minimum balance fees.
- No monthly fees.
- Up to 2-day-early-paycheck.
- SoFi members with direct deposit can earn up to 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
- Members without direct deposit will earn up to 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
- No ATM fees at 55,000+ Allpoint ATMs worldwide.
- Learn more about the SoFi Checking and Savings
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Axos Bank First Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.10% |
- Minimum to Open: $50
Additional Info
- For customers ages 13-17
- No monthly maintenance fees
- No overdraft or non-sufficient funds fees
- Earn 0.10% APY
- Up to $12 domestic ATM fee reimbursements per month
- Learn more about the Axos Bank First Checking
More Details
Axos Bank Golden Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.10% |
- Minimum to Open: $250
Additional Info
- For customers age 55 and over
- 0.10% APY on all balances
- No fees and free personal checks
- Up to $8 domestic ATM fee reimbursements per month
- No overdraft or non-sufficient fund fees
- Learn more about the Axos Bank Golden Checking
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Nationwide Interest Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.10% |
- Minimum to Open: $100
Additional Info
- Earn up to 0.10% APY.
- No maintenance fees, no minimum balance requirements.
- Up to $30.00 domestic ATM fees reimbursed per month.
- Get paid up to two days early with direct deposit.
- Learn more about the Nationwide Interest Checking
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HSBC Premier Checking
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $5 | 0.00% |
| $5+ | 0.01% |
- Minimum to Open: $0
Additional Info
- Annual Percentage Yield (APY): 0.01% as of 1/8/2024
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
- *Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.
- Learn more about the HSBC Premier Checking
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Chase Private Client
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.01% |
- Minimum to Open: $0
Additional Info
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
- Learn more about the Chase Private Client
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Chase Total Checking®
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- *With Chase Overdraft Assist℠, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
- Learn more about the Chase Total Checking®
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Chase College Checking℠
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 0.00% |
- Minimum to Open: $0
Additional Info
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number or who are 17-year-olds can only open an account at a branch.
- Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
- Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- Access to more than 15,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- Chase Overdraft Assist℠ – no overdraft fee if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- *With Chase Overdraft Assist℠, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
- Learn more about the Chase College Checking℠
More Details
