Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (2024)

Checking accounts are a safe place to keep money you need for everyday spending. Most checking accounts today make it easy to access your money, offer flexible withdrawal options, and are FDIC insured. And the best checking accounts have low or no fees, a high annual percentage yield (so your money is making money), and ATM fee reimbursem*nt.

Ready to compare checking accounts? We've evaluated over 100 banks to find the accounts below -- our picks for the best checking accounts.

Best checking accounts

  • Best savings and checking account in one: SoFi Checking and Savings
  • Best for cash back rewards: Discover® Cashback Debit
  • Best APY potential: Axos Bank Rewards Checking
  • Best for frequent debit card users: Quontic High Interest Checking
  • Best for linked investment accounts: E*TRADE Max-Rate Checking
  • Best for Amex cardholders: American Express Rewards Checking (Member FDIC)
  • Best for branch access: Capital One 360 Checking
  • Best for ATM users: LendingClub Rewards Checking
  • We pride ourselves on being able to confidently say that these checking accounts are chosen by personal finance experts that operate independently of our Partnerships team, meaning the picks on this page are not and never have been influenced by advertising deals.

    Our Ratings team:

    • Assessed 100+ banking institutions (see the full list here)
    • Evaluated checking accounts by brand reputation, fees, APY, and perks (see our full checking account methodology here)
    • Rated each checking account here on a five-star scale
    • Reevaluate products on this page quarterly

Best savings and checking account in one: SoFi Checking and Savings

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (1)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

SoFi Checking and Savings

Open Account for SoFi Checking and Savings

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (2)

Member FDIC.

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (3)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (4)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (5)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (6)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (7)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (8)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (9)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (10)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (11)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (12)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (13)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (14)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (15)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (16)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (17) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (18)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (19)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (20)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (21) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (22)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (23)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (24) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (25)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (26) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (27) = Poor

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (28)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (29)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (30)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (31)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (32)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (33)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (34)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (35)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (36)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (37)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (38)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (39)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (40)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (41)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (42) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (43)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (44)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (45)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (46) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (47)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (48)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (49) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (50)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (51) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (52) = Poor

Open Account for SoFi Checking and Savings

offer alert

Cash bonus up to $300 with direct deposit set up (see details when you click 'Open Account')

APY

0.50%Rate infoYou can earn the maximum savings APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.

Min. To Earn APY

$0

  • Competitive APY
  • FDIC insured (up to $2M with opt-in to SoFi Insured Deposit Program)
  • Welcome bonus up to $300
  • No monthly service or overdraft fees
  • Early access to direct deposits
  • Savings and investing tools
  • Wide range of financial products
  • Cash back on debit card purchases at select retailers
  • Combo account only; no stand-alone savings or checking
  • Overdraft protection tied to monthly deposit minimum
  • No local branches or in-person support

With no fees or minimums and tools designed to maximize your savings, the combo account is a good fit for individuals who want to do most of their banking in one place online. The account offers flexibility to access or move funds, especially if your employer's payroll system allows you to access the bank's early direct deposit benefit.

Read Full Review

Why we think this is the best savings and checking account in one:

The SoFi Checking and Savings account checks all the boxes anyone could hope for in a checking or savings account -- competitive rates, few fees, and more FDIC insurance. And with linked accounts, it's easy to transfer funds back and forth quickly.

Best for cash back rewards: Discover® Cashback Debit

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (53)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (54) 2024 Award Winner

Discover® Cashback Debit

Open Account for Discover® Cashback Debit

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (55)

Member FDIC.

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (56)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (57)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (58)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (59)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (60)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (61)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (62)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (63)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (64)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (65)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (66)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (67)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (68)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (69)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (70) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (71)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (72)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (73)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (74) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (75)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (76)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (77) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (78)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (79) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (80) = Poor

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (81)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (82)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (83)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (84)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (85)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (86)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (87)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (88)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (89)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (90)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (91)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (92)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (93)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (94)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (95) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (96)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (97)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (98)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (99) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (100)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (101)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (102) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (103)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (104) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (105) = Poor

Open Account for Discover® Cashback Debit

Offer alert

Earn 1% cash back on up to $3,000 in debit card purchases each month (see details when you click 'Open Account')

APY

0%

Min. To Earn APY

N/A

  • Cash back rewards on debit cards
  • Early direct deposit
  • No monthly maintenance, NSF, or overdraft fees
  • Great customer service
  • Cash back rewards capped
  • No interest-bearing checking account
  • No physical branches
  • No reimbursem*nt for out-of-network ATMs

The Discover Cashback Debit account could be a lucrative option for those who frequently use their debit card. With cash back on eligible purchases, it's possible to earn even more than you could with a typical checking account APY without changing your habits at all. The fact that Discover has done away with many common checking account fees only adds to its appeal.

Read Full Review

Why we think this is the best for cash back rewards:

The Discover® Cashback Debit account rewards customers with 1% cash back on most debit card purchases up to $3,600 per year. This could pay you up to $360 in cash back annually -- more than most people would earn even with an interest-bearing checking account.

Best APY potential: Axos Bank Rewards Checking

Rates asof Jul 03, 2024

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (107) 2024 Award Winner

Axos Bank Rewards Checking

Open Account for Axos Bank Rewards Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (108)

Member FDIC.

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (109)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (110)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (111)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (112)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (113)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (114)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (115)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (116)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (117)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (118)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (119)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (120)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (121)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (122)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (123) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (124)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (125)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (126)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (127) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (128)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (129)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (130) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (131)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (132) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (133) = Poor

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (134)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (135)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (136)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (137)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (138)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (139)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (140)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (141)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (142)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (143)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (144)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (145)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (146)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (147)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (148) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (149)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (150)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (151)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (152) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (153)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (154)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (155) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (156)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (157) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (158) = Poor

Open Account for Axos Bank Rewards Checking

offer alert

Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.

APY

0.40% (up to 3.30%)Rate infoTo earn the full APY, account holders must do all of the following: Receive monthly direct deposits totaling more than $1,500; make 10 transactions a month with your Axos debit card, or sign up for Axos's Personal Finance Manager; maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account; and use your Rewards Checking account to make your full monthly Axos Bank consumer mortgage, personal, or auto loan payment.

Min. To Earn APY

Monthly direct deposits totaling at least $1,500

  • High checking account APY
  • Unlimited ATM fee reimbursem*nts
  • No monthly maintenance, NSF, or overdraft fees
  • No monthly balance requirements
  • Cash back checking option
  • Must meet certain requirements to earn the highest interest tier
  • Low savings and CD APYs compared to competitors

A solid checking account with an APY that far outpaces the competition. The fact that it also has no maintenance fees and no overdraft or NSF fees are the cherries on top.

Rewards Checking disclosure:

To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "RC500," an application for a Rewards Checking account must be submitted between 06/20/2024 at 12:00 am PT and 07/31/24 at 11:59 pm PT.

Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below:

Rewards Checking bonus up to $500: You must be approved for your new Rewards Checking account and fund it within 60 days of account opening. An incentive of up to $500 can be earned during the first six (6) statement cycles, starting in the statement cycle thirty (30) days after the account is opened. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of five (5) payouts during the six (6) statement cycles, and the incentive will be deposited into the qualifying account within 15 business days following the end of the statement cycle in which the requirements were met.

$100 will be earned for each statement cycle, up to $500, when you meet two requirements during that statement cycle: 1) your Rewards Checking account receives qualifying direct deposits at least $1,500.00 in total, and 2) the average daily balance in your Rewards Checking account is at least $3,000.

Your Rewards Checking account must remain open and in good standing at the time the incentive is paid to be eligible.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Account transactions may take one or more business days from the transaction date to post to the account.

Read Full Review

Why we think this is the best for APY potential:

The Axos Bank Rewards Checking account offers an APY that's well above average, even for online checking accounts. Its top rate isn't too far off the best savings account interest rates, though not everyone qualifies for it.

Best for frequent debit card users: Quontic High Interest Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (159)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

Quontic High Interest Checking

Open Account for Quontic High Interest Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (160)

Member FDIC.

Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (161)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (162)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (163)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (164)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (165)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (166)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (167)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (168)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (169)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (170)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (171)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (172)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (173)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (174)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (175) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (176)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (177)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (178)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (179) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (180)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (181)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (182) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (183)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (184) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (185) = Poor

Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (186)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (187)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (188)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (189)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (190)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (191)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (192)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (193)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (194)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (195)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (196)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (197)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (198)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (199)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (200) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (201)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (202)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (203)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (204) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (205)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (206)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (207) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (208)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (209) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (210) = Poor

Open Account for Quontic High Interest Checking

High APY when you complete 10 or more qualifying debit card purchases each month

APY

up to 1.10%

Min. To Earn APY

$1

  • High checking APY
  • One of the highest APY for CDs and savings account
  • No monthly fees, overdraft, or NSF fees
  • Comes with a debit card
  • Large fee-free ATM network
  • Quontic Pay Ring: the nation's first wearable payment ring
  • Must meet monthly transaction requirements to earn higher interest tier
  • Limited CD terms
  • No physical branches

Quontic High Interest Checking earns one of the highest APYs among checking accounts. Unfortunately, you must make 10 qualifying debit card purchases of $10 or more each statement cycle to earn the highest interest tier. Still, the account is a good option to maximize savings beyond other deposit accounts. Plus, it has no monthly fees and access to fee-free ATMs.

10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY. If the qualifying activity requirement is not fulfilled, the interest rate paid on the entire balance will be 0.01% APY.

Read Full Review

Why we think this is the best for frequent debit card users:

The Quontic High Interest Checking account comes with a free debit card and a nationwide, fee-free ATM network. Its customers also have the option to try out the Quontic Pay Ring -- the nation's first wearable payment ring.

Best for linked investment accounts: E*TRADE Max-Rate Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (211)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

E*TRADE Max-Rate Checking

Open Account for E*TRADE Max-Rate Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (212)

Member FDIC.

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (213)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (214)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (215)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (216)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (217)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (218)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (219)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (220)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (221)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (222)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (223)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (224)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (225)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (226)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (227) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (228)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (229)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (230)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (231) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (232)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (233)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (234) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (235)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (236) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (237) = Poor

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (238)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (239)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (240)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (241)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (242)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (243)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (244)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (245)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (246)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (247)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (248)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (249)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (250)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (251)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (252) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (253)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (254)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (255)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (256) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (257)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (258)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (259) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (260)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (261) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (262) = Poor

Open Account for E*TRADE Max-Rate Checking

APY

3.00%

Min. To Earn APY

$0.01

  • High APY
  • ATM refunds worldwide
  • High monthly fee
  • No branch access

For those who want to earn more interest on their checking account balance, E*TRADE Max-Rate Checking offers one of the highest APYs we've found. You'll need to keep an average monthly balance of $5,000 to waive the $15 fee, but you'll get fee reimbursem*nts for ATMs worldwide.

Read Full Review

Why we think this is the best for linked investment accounts:

The E*TRADE Max-Rate Checking account enables you to quickly move funds to your E*TRADE investment account without having to wait for a transfer from an external bank. It also offers a competitive APY so you can grow your wealth even if you're not investing it.

Best for Amex cardholders: American Express Rewards Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (263)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

American Express Rewards Checking

Read Review

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (264)

Member FDIC.

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (265)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (266)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (267)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (268)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (269)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (270)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (271)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (272)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (273)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (274)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (275)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (276)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (277)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (278)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (279) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (280)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (281)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (282)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (283) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (284)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (285)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (286) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (287)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (288) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (289) = Poor

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (290)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (291)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (292)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (293)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (294)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (295)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (296)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (297)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (298)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (299)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (300)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (301)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (302)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (303)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (304) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (305)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (306)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (307)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (308) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (309)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (310)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (311) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (312)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (313) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (314) = Poor

Read Review

APY

1.00%Rate infoAPY = annual percentage yield

Min. To Earn APY

$0

  • High APY
  • Debit card rewards with no cap
  • No monthly maintenance and minimum deposit fees
  • 24/7 customer service
  • Must be an American Express Card Member
  • Banking services are limited
  • Online-only bank

With Amex Rewards Checking, you can earn 1 Membership Rewards point for each $2 of eligible debit card purchase. There are no monthly fees or minimum balance requirements for the account. You can redeem your points for deposits into your Amex Rewards Checking account and there is no cap on how many points you can earn. The account offers a high APY (annual percentage yield) and earns rewards but those are limited to certain options.

Why we think this is the best for Amex cardholders:

The American Express Rewards Checking account is an exclusive offering for American Express card holders. It has big appeal thanks to its lack of fees, competitive APY, and debit card rewards with no cap.

Best for branch access: Capital One 360 Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (315)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

Capital One 360 Checking

Read Review

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (316)

Member FDIC.

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (317)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (318)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (319)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (320)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (321)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (322)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (323)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (324)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (325)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (326)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (327)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (328)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (329)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (330)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (331) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (332)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (333)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (334)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (335) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (336)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (337)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (338) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (339)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (340) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (341) = Poor

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (342)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (343)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (344)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (345)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (346)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (347)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (348)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (349)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (350)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (351)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (352)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (353)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (354)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (355)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (356) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (357)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (358)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (359)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (360) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (361)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (362)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (363) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (364)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (365) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (366) = Poor

Read Review

APY

0.10%

Min. To Earn APY

$1

  • Branches and Capital One Cafes in some states
  • Variety of accounts
  • Robust digital platform and app
  • Great customer service
  • Higher APY available at other financial institutions

Capital One boasts a top-rated mobile app and has over 70,000 fee-free Capital One, MoneyPass, and Allpoint ATM locations. For those looking for face-to-face interaction, Capital One has over 450 locations and 50 Capital One Cafes, where customers can bank, get a cup of coffee, and ask for advice from a certified money coach. However the APY is lower than other online banks.

Why we think this is the best for branch access:

The Capital One 360 Checking account only has branches in a handful of states, but if you live near one, it could give you the best of both worlds. You'll get the competitive rates and few fees of an online institution with the personalized customer service of a brick-and-mortar bank.

Best for ATM users: LendingClub Rewards Checking

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (367)

Open Account for SoFi Checking and Savings

Member FDIC.

Rates asof Jul 03, 2024

LendingClub Rewards Checking

Read Review

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (368)

Member FDIC.

Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (369)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (370)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (371)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (372)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (373)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (374)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (375)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (376)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (377)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (378)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (379)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (380)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (381)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (382)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (383) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (384)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (385)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (386)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (387) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (388)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (389)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (390) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (391)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (392) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (393) = Poor

Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (394)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (395)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (396)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (397)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (398)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (399)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (400)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (401)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (402)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (403)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (404)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (405)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (406)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (407)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (408) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (409)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (410)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (411)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (412) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (413)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (414)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (415) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (416)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (417) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (418) = Poor

Read Review

APY

Up to 0.15%

Min. To Earn APY

$2,500

  • Unlimited cash back on debit card purchases
  • Unlimited ATM fee reimbursem*nts worldwide
  • Get your paycheck up to two days early
  • No monthly maintenance or overdraft fees
  • Low balances won't earn interest
  • Most customers won't qualify for the highest APY
  • Higher APY available at other financial institutions
  • Must have at least $2,500 to earn cash back rewards

Why we think this is the best for ATM users:

The LendingClub Rewards Checking account doesn't come with a fee-free ATM network like most online checking accounts. Instead, you get unlimited ATM fee reimbursem*nts, so you're free to use any ATM you like without ever paying to access your cash.

How to choose the best checking account for you

We believe the best checking accounts typically have:

  • Low fees: There's no reason that anyone should have to pay an account maintenance fee.
  • High interest rates: To find the best high-yield checking accounts, compare each account's annual percentage yield (APY). A higher APY means more interest.
  • ATM fee reimbursem*nt: Some of the best online checking accounts reimburse ATM fees charged by other banks.
  • Convenient ATM or branch locations: Your local bank on the corner is convenient, but it's not the only option. Some online banks have massive ATM networks and easy methods to make deposits, even with cash.

When you compare checking accounts, look at all of the above factors to get the whole picture for each account.

Compare the best checking accounts

Show The List [+]Hide The List [-]

  • 0.50% APY:SoFi Checking and Savings(Member FDIC.)
  • 0% APY:Discover® Cashback Debit(Member FDIC.)
  • 0.40% (up to 3.30%) APY:Axos Bank Rewards Checking(Member FDIC.)
  • up to 1.10% APY:Quontic High Interest Checking(Member FDIC.)
  • 3.00% APY:E*TRADE Max-Rate Checking(Member FDIC.)
  • 1.00% APY:American Express Rewards Checking(Member FDIC.)
  • 0.10% APY:Capital One 360 Checking(Member FDIC.)
  • Up to 0.15% APY:LendingClub Rewards Checking(Member FDIC.)

Rates asof Jul 03, 2024

OfferAPYMinimum to Earn APYRatingPromotionNext Steps

SoFi Checking and Savings

Open Account for SoFi Checking and Savings

Member FDIC.

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (420)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (421)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (422)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (423)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (424)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (425)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (426)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (427)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (428)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (429)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (430)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (431)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (432)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (433)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (434) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (435)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (436)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (437)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (438) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (439)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (440)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (441) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (442)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (443) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (444) = Poor

0.50%

Rate infoYou can earn the maximum savings APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.

Min. to earn: $0

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (445)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (446)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (447)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (448)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (449)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (450)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (451)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (452)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (453)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (454)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (455)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (456)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (457)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (458)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (459) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (460)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (461)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (462)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (463) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (464)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (465)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (466) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (467)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (468) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (469) = Poor

$0

Cash bonus up to $300 with direct deposit set up (see details when you click 'Open Account')

Open Account for SoFi Checking and Savings

offer alert

Cash bonus up to $300 with direct deposit set up (see details when you click 'Open Account')

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (470) 2024 Award Winner

Discover® Cashback Debit

Open Account for Discover® Cashback Debit

Member FDIC.

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (472)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (473)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (474)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (475)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (476)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (477)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (478)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (479)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (480)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (481)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (482)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (483)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (484)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (485)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (486) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (487)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (488)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (489)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (490) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (491)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (492)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (493) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (494)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (495) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (496) = Poor

0%

Min. to earn: N/A

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (497)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (498)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (499)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (500)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (501)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (502)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (503)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (504)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (505)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (506)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (507)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (508)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (509)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (510)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (511) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (512)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (513)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (514)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (515) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (516)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (517)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (518) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (519)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (520) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (521) = Poor

N/A

Earn 1% cash back on up to $3,000 in debit card purchases each month (see details when you click 'Open Account')

Open Account for Discover® Cashback Debit

Offer alert

Earn 1% cash back on up to $3,000 in debit card purchases each month (see details when you click 'Open Account')

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (522) 2024 Award Winner

Axos Bank Rewards Checking

Open Account for Axos Bank Rewards Checking

Member FDIC.

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (524)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (525)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (526)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (527)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (528)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (529)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (530)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (531)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (532)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (533)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (534)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (535)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (536)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (537)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (538) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (539)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (540)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (541)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (542) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (543)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (544)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (545) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (546)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (547) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (548) = Poor

Disclaimer

0.40% (up to 3.30%)

Rate infoTo earn the full APY, account holders must do all of the following: Receive monthly direct deposits totaling more than $1,500; make 10 transactions a month with your Axos debit card, or sign up for Axos's Personal Finance Manager; maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account; and use your Rewards Checking account to make your full monthly Axos Bank consumer mortgage, personal, or auto loan payment.

Min. to earn: Monthly direct deposits totaling at least $1,500

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (549)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (550)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (551)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (552)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (553)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (554)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (555)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (556)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (557)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (558)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (559)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (560)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (561)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (562)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (563) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (564)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (565)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (566)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (567) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (568)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (569)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (570) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (571)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (572) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (573) = Poor

Monthly direct deposits totaling at least $1,500

Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.

Open Account for Axos Bank Rewards Checking

offer alert

Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.

Rewards Checking disclosure:

To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "RC500," an application for a Rewards Checking account must be submitted between 06/20/2024 at 12:00 am PT and 07/31/24 at 11:59 pm PT.

Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below:

Rewards Checking bonus up to $500: You must be approved for your new Rewards Checking account and fund it within 60 days of account opening. An incentive of up to $500 can be earned during the first six (6) statement cycles, starting in the statement cycle thirty (30) days after the account is opened. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of five (5) payouts during the six (6) statement cycles, and the incentive will be deposited into the qualifying account within 15 business days following the end of the statement cycle in which the requirements were met.

$100 will be earned for each statement cycle, up to $500, when you meet two requirements during that statement cycle: 1) your Rewards Checking account receives qualifying direct deposits at least $1,500.00 in total, and 2) the average daily balance in your Rewards Checking account is at least $3,000.

Your Rewards Checking account must remain open and in good standing at the time the incentive is paid to be eligible.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Account transactions may take one or more business days from the transaction date to post to the account.

Rewards Checking disclosure:

To be eligible to earn all or a portion of the cash incentive as part of the promotional offer "RC500," an application for a Rewards Checking account must be submitted between 06/20/2024 at 12:00 am PT and 07/31/24 at 11:59 pm PT.

Axos Bank reserves the right to limit each primary account holder to one (1) checking account promotional offer per year. Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After initial requirements above are met, the amount of incentive earned will depend on meeting the additional requirements outlined below:

Rewards Checking bonus up to $500: You must be approved for your new Rewards Checking account and fund it within 60 days of account opening. An incentive of up to $500 can be earned during the first six (6) statement cycles, starting in the statement cycle thirty (30) days after the account is opened. A statement cycle is a calendar month consisting of at least one day your account was open during that month. You can earn a maximum of five (5) payouts during the six (6) statement cycles, and the incentive will be deposited into the qualifying account within 15 business days following the end of the statement cycle in which the requirements were met.

$100 will be earned for each statement cycle, up to $500, when you meet two requirements during that statement cycle: 1) your Rewards Checking account receives qualifying direct deposits at least $1,500.00 in total, and 2) the average daily balance in your Rewards Checking account is at least $3,000.

Your Rewards Checking account must remain open and in good standing at the time the incentive is paid to be eligible.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit. Account transactions may take one or more business days from the transaction date to post to the account.

Quontic High Interest Checking

Open Account for Quontic High Interest Checking

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Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (575)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (576)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (577)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (578)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (579)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (580)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (581)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (582)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (583)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (584)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (585)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (586)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (587)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (588)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (589) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (590)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (591)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (592)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (593) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (594)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (595)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (596) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (597)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (598) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (599) = Poor

Disclaimer

up to 1.10%

Min. to earn: $1

Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (600)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (601)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (602)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (603)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (604)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (605)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (606)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (607)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (608)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (609)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (610)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (611)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (612)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (613)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (614) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (615)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (616)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (617)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (618) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (619)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (620)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (621) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (622)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (623) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (624) = Poor

$1

High APY when you complete 10 or more qualifying debit card purchases each month

Open Account for Quontic High Interest Checking

High APY when you complete 10 or more qualifying debit card purchases each month

10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY. If the qualifying activity requirement is not fulfilled, the interest rate paid on the entire balance will be 0.01% APY.

10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY. If the qualifying activity requirement is not fulfilled, the interest rate paid on the entire balance will be 0.01% APY.

E*TRADE Max-Rate Checking

Open Account for E*TRADE Max-Rate Checking

Member FDIC.

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (626)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (627)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (628)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (629)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (630)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (631)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (632)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (633)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (634)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (635)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (636)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (637)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (638)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (639)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (640) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (641)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (642)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (643)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (644) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (645)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (646)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (647) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (648)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (649) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (650) = Poor

3.00%

Min. to earn: $0.01

Rating image, 4.25 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (651)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (652)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (653)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (654)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (655)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (656)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (657)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (658)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (659)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (660)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (661)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (662)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (663)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (664)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (665) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (666)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (667)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (668)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (669) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (670)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (671)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (672) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (673)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (674) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (675) = Poor

$0.01

N/A

Open Account for E*TRADE Max-Rate Checking

American Express Rewards Checking

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Member FDIC.

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (677)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (678)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (679)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (680)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (681)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (682)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (683)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (684)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (685)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (686)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (687)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (688)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (689)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (690)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (691) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (692)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (693)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (694)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (695) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (696)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (697)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (698) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (699)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (700) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (701) = Poor

1.00%

Rate infoAPY = annual percentage yield

Min. to earn: $0

Rating image, 5.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (702)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (703)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (704)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (705)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (706)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (707)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (708)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (709)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (710)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (711)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (712)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (713)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (714)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (715)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (716) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (717)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (718)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (719)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (720) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (721)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (722)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (723) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (724)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (725) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (726) = Poor

$0

N/A

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Capital One 360 Checking

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Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (728)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (729)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (730)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (731)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (732)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (733)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (734)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (735)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (736)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (737)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (738)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (739)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (740)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (741)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (742) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (743)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (744)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (745)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (746) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (747)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (748)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (749) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (750)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (751) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (752) = Poor

0.10%

Min. to earn: $1

Rating image, 4.50 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (753)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (754)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (755)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (756)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (757)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (758)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (759)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (760)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (761)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (762)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (763)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (764)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (765)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (766)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (767) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (768)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (769)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (770)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (771) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (772)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (773)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (774) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (775)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (776) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (777) = Poor

$1

N/A

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LendingClub Rewards Checking

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Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (779)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (780)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (781)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (782)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (783)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (784)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (785)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (786)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (787)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (788)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (789)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (790)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (791)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (792)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (793) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (794)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (795)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (796)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (797) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (798)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (799)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (800) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (801)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (802) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (803) = Poor

Up to 0.15%

Min. to earn: $2,500

Rating image, 4.00 out of 5 stars.Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (804)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (805)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (806)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (807)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (808)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (809)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (810)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (811)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (812)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (813)

4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (814)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (815)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (816)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (817)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (818) = Best
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (819)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (820)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (821)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (822) = Excellent
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (823)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (824)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (825) = Good
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (826)Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (827) = Fair
Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (828) = Poor

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What is a checking account?

A checking account is a bank account designed for spending. Most checking accounts come with a debit card. Account holders can also take advantage of online bill pay services.

You can open a checking account online or in-person, through both traditional brick-and-mortar banks and an increasing number of online financial institutions.

Benefits of a checking account

Here are a few reasons to open a checking account, whether it be a high-interest online checking account or one from a traditional brick-and-mortar bank:

  • Easy spending: If you have an emergency expense, an unexpected bill, or even just a fun shopping spree -- it's easy to spend money out of a checking account. Some options for spending out of a checking account include checks, debit cards, online banking, and mobile wallets.
  • (Usually) no restrictions: Believe it or not, most other bank account types have restrictions on spending. With a savings account, you can usually only make six withdrawals each month. And with a certificate of deposit (CD), you can't take money out at all without paying a penalty (unless your CD has matured -- but waiting for it to mature can take months).
  • FDIC or NCUA protection: Most checking accounts have insurance covering up to $250,000 in deposits. Banks have FDIC insurance, and credit unions have NCUA insurance, with each offering coverage up to the same amount. In the unlikely event that your bank shuts down, insurance would cover it.
  • Consumer fraud protection services: Consumer fraud protection services are standard and free of charge in many checking accounts, both nationwide and at local banks.

Checking account fees

Here are some of the more common checking account fees you might see:

  • Monthly maintenance fee (also known as the service charge, among other names): This is the most common recurring checking account charge. It often ranges from $5 to $35, but can vary widely. Fortunately, banks often waive this charge if a customer meets certain standards. These can include a minimum number of transactions on the account's debit card, setting up recurring direct deposits from an employer, or meeting a minimum ongoing balance amount.
  • Overdraft fee: This classic charge has been a staple of the checking account for many years. Should you spend more money than what you've got in the account, you'll be hit with an overdraft fee. $35 per incident is roughly the going rate. Banks don't typically waive overdraft fees, though some online checking accounts don't charge them.
  • ATM fee: Banks like to charge ATM fees if you draw funds from cash machines that aren't theirs. A standard hit is $2 or $3 per transaction, but these can be much higher in certain locations, especially abroad. The ATM owner may charge their own fees as well.

Questions to ask when choosing a checking account

You'll probably use your checking account a lot, so choosing the right one is important. Here are the basic questions you should ask to compare checking accounts:

  1. What checking account features do you need?
    Do you want a debit card? Overdraft protection? Mobile banking?
  2. How much will your checking account balance be?
    Many checking accounts have maintenance fees, but these fees can be waived if you keep a certain amount of money in the account.
  3. What are the most convenient banks for you?
    Is there a bank near your grocery store? Is there a bank with a top-rated mobile app?
  4. What checking account fees do those banks charge?
    You can usually find the bank's fee schedule online, or you can ask for it in-person at a branch.
  5. What checking account bonus offers are available to you?
    Some banks offer sign-up bonuses to new customers who fulfill certain requirements.

If you can't decide between two similar checking accounts, look for extras that make one stand out. For example, some banks offer cash back on debit card purchases or out-of-network ATM fee reimbursem*nts.

And remember: The best checking account offers for you might be different from the best checking account offers for your neighbor. Think about your lifestyle before deciding which account has the best bonus for your money.

Key checking account terms to know

Here's some important checking account terminology you should be familiar with:

Debit cardA payment card that's linked to a checking or savings account. Debit card transactions are approved based on the current balance of your account, and the money is immediately deducted.
PIN (personal identification number)A number that's typically four to six digit and is used to identify you when using your debit card for ATM withdrawals or in-store purchases.
Insufficient fundsIf you write a check or attempt to spend more money than you have in your checking account, the transaction may be rejected for insufficient funds.
OverdraftThe result of a transaction that causes your account to have a negative balance. Overdrafts usually carry fees.
Mobile or remote depositMost checking accounts allow customers to make check deposits from their smartphone or other mobile device by uploading a photo of the check, thereby saving a trip to the bank.

Checking vs. savings accounts

A checking account is great for paying bills, because it's easy to get money in and out of a checking account. Savings accounts tend to earn more interest, which make them perfect for saving money over long periods of time.

High-yield savings accounts typically have higher APYs, which makes them a better choice for an emergency fund or other cash you don't anticipate using anytime soon but don't feel comfortable investing. But savings accounts also have restrictions that limit the number of withdrawals you can make per month and the ease of access you have to your money.

Checking accounts are intended to be spending accounts used for everyday purchases. They have fewer limitations on the number of payments or withdrawals you can make each month. But they usually don't have a high APY like savings accounts do, even if they are high interest.

Discover our other checking account top picks

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  • Best Banks for International Travel
  • Best Banks in New York City
  • Best Checking Accounts
  • Best Free Business Checking Accounts
  • Best Free Checking Accounts
  • Best High-Yield Checking Accounts
  • Best National Banks
  • Best Online Checking Accounts
  • Best Rewards Checking Accounts
  • Best Teen Checking Accounts
  • Safest Banks in the U.S. for July 2024

Our checking account methodology

At The Motley Fool Ascent, we rate checking accounts on a five-star scale (1 = poor, 5 = best). We evaluate all checking accounts across four main criteria: brand and reputation, APY and rewards, fees and minimum requirements, and perks.

Our scores are weighted as:

  • Brand and reputation: 40%
  • APY and rewards: 30%
  • Fees and minimums: 15%
  • Other perks: 15%

Our aim is to maintain a balanced list featuring top-scoring products from reputable brands offering standout features. Learn more about how The Motley Fool Ascent rates bank accounts.

Banks we monitor

  • Alliant, Ally, All America Bank, American First Credit Union, American Express® National Bank, Arvest Bank, Aspiration, Axos Bank, B2 Bank, Bank of America, Bank5 Connect, Bank7, Barclays, Bask Bank, Betterment, Bluevine, BMO, Bread Financial, Capital One, Carver Federal Savings Bank, Charles Schwab Bank, Chase, Chime, CIT, Citibank, Citizens Bank, Citizens Savings Bank, Columbia Bank, Connexus Credit Union, Consumers Credit Union, Copper, Cross River Bank, Customers Bank, Discover® Bank, E*TRADEEdward Jones, EverBank, Fidelity, Fifth Third Bank, First Foundation Bank, First Internet Bank of Indiana, First National Bank, First Tech Federal Credit Union, Flushing Bank, Freedom Bank, Generations Bank, GN Bank, Golden 1 Credit Union, Greenlight, Harborstone Credit Union, HSBC, Huntington Bank, Ivella, Jenius Bank, Kabbage by American Express, KeyBank, Laurel Road, LendingClub, Liberty Bank, Liberty Federal Credit Union, Marcus by Goldman Sachs, Mercury, Municipal Credit Union, Mutual of Omaha, My Banking Direct, NASA Federal Credit Union, Nationwide Bank, Navy Federal Credit Union, NBKC Bank, New York Community Bank, NexBank, Northpointe Bank, Novo, OceanFirst Bank, Old National Bank, ONE Finance, OneUnited Bank, Oxygen, Pacific Western Bank, PNC Bank, Ponce Bank, Popular Direct, Presidential Bank, Prime Alliance Bank, Quontic, Radius, Raisin, Redneck Bank, Regions Bank, Relay, Republic Bank of Chicago, Revolut, Salem Five Bank, Sallie Mae, Santander Bank, SchoolsFirst Federal Credit Union, Simple, SoFi, Synchrony Bank, Tab Bank, TD Bank, Third Federal, Truist Bank, U.S. Bank, UFB, Upgrade, USAA, Valley Bank, Vanguard, Varo Bank, Vio Bank, Wealthfront, Wells Fargo, Western Alliance Bank, and Zeta.

FAQs

  • A checking account is a bank account designed for spending. Most checking accounts come with a debit card. Account holders can also take advantage of online bill pay services.

    It contrasts with a savings account, which is intended for -- yes -- saving. Savings accounts usually don't have debit cards, because banks don't expect you to spend the money in your savings account.

    You can open a checking account online or in person, through both traditional brick-and-mortar banks and an increasing number of online financial institutions (like that new banking app your coworker won't stop raving about).

  • Checking account costs vary dramatically. Some have multiple fees, such as maintenance charges, overdraft fees, and ATM fees, while others are entirely fee free.

  • Some checking accounts, especially those offered by online banks, earn interest on deposits. But it's usually a small amount.

  • While some banks offer checking accounts with rewards, not all of them do. If earning rewards is important to you, make sure any bank or credit union you're considering offers this opportunity.

  • Rules vary based on the financial institution. Conditions for earning a bonus may include:

    • Using a promotional code
    • Making a minimum initial deposit
    • Maintaining a minimum balance for a specific amount of time

    You can see even more checking account options on our Best Checking Account Promotions page.

Best Checking Accounts 2024: Top 8 of 116 Banks Reviewed (2024)

FAQs

Which bank is best to have an account with? ›

Summary of Best Checking Accounts of 2024
Bank/Credit UnionForbes Advisor RatingLearn More CTA text
PenFed Credit Union Access America Checking4.7Learn More
Discover® Cashback Debit Checking4.5Learn More
EverBank Yield Pledge Checking4.5Learn More
NBKC Bank Everything Account4.5Learn More
6 more rows
4 days ago

What is the most reliable bank in the US? ›

Summary: Safest Banks In The U.S. Of May 2024
BankForbes Advisor RatingProducts
Chase Bank5.0Checking, Savings, CDs
Bank of America4.2Checking, Savings, CDs
Wells Fargo Bank4.0Savings, checking, money market accounts, CDs
Citi®4.0Checking, savings, CDs
1 more row
May 9, 2024

Which bank is the most stable? ›

Most Trusted Banks
BankTrust Rating
Chase101.3 | *****
Capital One95.5 | ***
Citibank91.0 | ***
PNC Bank89.5 | ***
11 more rows
Mar 28, 2023

Which bank is rated the highest? ›

What are the top 10 banks in the United States?
  • Chase Bank.
  • Bank of America.
  • Wells Fargo.
  • Citibank.
  • U.S. Bank.
  • PNC Bank.
  • Goldman Sachs.
  • Truist Bank.
Dec 21, 2023

Which bank is best for everything? ›

Overview of 10 Best Banks in India 2024
  1. HDFC Bank. HDFC Bank is one of the most popular banks in India, with its headquarters in Mumbai. ...
  2. ICICI Bank. ICICI Bank is an Indian multinational financial services bank headquartered in Mumbai. ...
  3. SBI. ...
  4. Kotak Mahindra. ...
  5. Axis Bank. ...
  6. IndusInd Bank. ...
  7. Bank of Baroda. ...
  8. Punjab National Bank.
Jun 27, 2024

What bank gives the most for opening a checking account? ›

The 10 best checking account bonuses for July 2024: earn up to $700
Bank & accountBonus amountTime frame for deposits
BMO: Relationship Checking$50090 days
Valley Bank: All Access Rewards Checking$240 ($20/month for first year)30
Chase: Chase Total Checking$30090 days
Wells Fargo: Everyday Checking account$30090
6 more rows
2 days ago

Which bank is least likely to go bust? ›

The Safest Banks in the U.S.
  • JPMorgan Chase.
  • U.S. Bank.
  • PNC Bank.
  • Citibank.
  • Wells Fargo.
  • Capital One.
  • M&T Bank Corporation.
  • AgriBank.
Jun 5, 2024

What banks are most at risk? ›

These Banks Are the Most Vulnerable
  • First Republic Bank (FRC) . Above average liquidity risk and high capital risk.
  • Huntington Bancshares (HBAN) . Above average capital risk.
  • KeyCorp (KEY) . Above average capital risk.
  • Comerica (CMA) . ...
  • Truist Financial (TFC) . ...
  • Cullen/Frost Bankers (CFR) . ...
  • Zions Bancorporation (ZION) .
Mar 16, 2023

What bank is the most honest? ›

Following one of the most successful years in United's long history, United Bank has been named the Most Trustworthy Bank in America by Newsweek for 2023.

What bank do most rich people use? ›

The Most Popular Banks for Millionaires
  1. JP Morgan Private Bank. “J.P. Morgan Private Bank is known for its investment services, which makes them a great option for those with millionaire status,” Kullberg said. “ ...
  2. Bank of America Private Bank. ...
  3. Citi Private Bank. ...
  4. Chase Private Client.
Jan 29, 2024

What bank has the most issues? ›

  • 1: Wells Fargo. Worst Bank Overall. ...
  • 2: Citibank. Worst Bank Runner-up. ...
  • 3: Bank of America. Most Complaints Overall. ...
  • 4: Capital One. Most Better Business Bureau Complaints. ...
  • 5: Discover. Highest Rate of Complaints. ...
  • 6: Citizens Bank. Worst Fees Overall. ...
  • 7: Flagstar Bank. ...
  • 8: Fifth Third Bank.

What is the number 1 Bank of America? ›

JPMorgan Chase – $3.5 trillion

Columbus, Ohio-based JPMorgan Chase is the largest US bank with total assets of $3.503 trillion. Some $2.684 trillion are domestic assets, accounting for 77% of its total assets. The bank operates 4,912 domestic branches and 32 foreign branches.

What bank has the best benefits? ›

Best Banks of July 2024
  • Capital One 360 Checking: Best online checking account.
  • Chase Total Checking®: Best for a large branch network.
  • Axos Bank Rewards Checking: Best for online account options.
  • Discover® Bank: Best for doing all of your banking at one place.
  • Synchrony Bank: Best high-yield savings account.
Jun 26, 2024

Which bank has locations in all 50 states? ›

What bank operates in all 50 states? No bank currently operates a branch location in all 50 states, though several of the nation's largest institutions come close. Chase Bank, for one, has over 4,700 branch locations in 49 states and Washington D.C. Wells Fargo also offers around 4,600 branches in 36 states.

What is the hardest bank to get into? ›

Ex-Goldman Sachs helping train students/recent grads to secure jobs in banking - 90% placement rate to banks like GS, UBS and JP. These are the 10 hardest investment banks to get a job at in the world🌍👇 1. JP Morgan 2. Goldman Sachs 3.

Which bank has the best bank account? ›

  • Featured Partner.
  • Our top current accounts of 2024.
  • First Direct 1st Account.
  • Chase Current Account.
  • Barclays Premier.
  • Starling Bank.
  • Kroo Current Account.
  • HSBC Advance Account.
5 days ago

Who is best to open a bank account with? ›

Top bank accounts ranked by minimum pay-in
AccountMin monthly pay-inEquivalent salary/year needed (1)
Virgin Money current accountNoneN/A
HSBC AdvanceNoneN/A
First Direct 1st AccountNone (2)N/A
Nationwide FlexPlusNoneN/A
9 more rows

What type of bank account is best to open? ›

Checking accounts are best for day-to-day financial tasks such as making purchases and paying bills. They come with a debit card for spending, and checking account owners can typically make mobile check deposits, ATM transactions, peer-to-peer payments and more with their account.

Which bank is safest for money? ›

The Safest Banks in the U.S.
  • JPMorgan Chase.
  • U.S. Bank.
  • PNC Bank.
  • Citibank.
  • Wells Fargo.
  • Capital One.
  • M&T Bank Corporation.
  • AgriBank.
Jun 5, 2024

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