Saturday, October 1, 2022

    Here are the best checking accounts available right now

    Here are the best checking accounts available right now

    Updated

    2022-09-01T18:03:00Z


    Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

    Checking accounts are optimal tools for everyday expenses and transactions.

    We reviewed over two dozen financial institutions to find banks that offer appealing checking account options. Here are our top picks for best checking accounts.

    Our expert panel for this guide

    We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best checking accounts for your needs. You can read their insights at the bottom of this post.

    PFI Banking Expert Panel that includes Tania Brown, Roger Ma, Laura Grace Tarpley, and Mykail James



    Insider


    We’re focusing on what will make a checking account most useful, including monthly fees, ATM access, rewards, and more.

    Compare our picks for the top checking accounts

    • Capital One 360 Checking®

    • Discover Cashback Debit Account

    • Schwab Bank High Yield Investor Checking® Account

    • LendingClub Rewards Checking Account

    • Axos Bank Rewards Checking

    • Chime Checking Account

    • Alliant High-Interest Checking Account

    • Wealthfront Cash Account

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    4.25/5

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    4.5/5

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    Worldwide ATM fee refunds

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    4.25/5

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    Cash-back rewards, early direct deposit

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    4.25/5

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    $20/month in ATM fee refunds

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    4.25/5

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    Capital One 360 Checking®


    Annual Percentage Yield (APY)


    0.10% APY


    Minimum Deposit Amount


    $0


    Annual Percentage Yield (APY)


    0.10% APY


    Minimum Deposit Amount


    $0

    Pros

    • 0.10% APY on all account balances
    • No opening deposit or minimum account balance
    • No monthly service fee
    • No foreign transaction fee
    • Range of overdraft protection options
    • Processes direct deposits up to 2 days early

    Cons

    • $2 out-of-network ATM fee
    • Doesn’t reimburse out-of-network ATM fees
    • Limited access to customer service by phone


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    • Over 70,000 free ATMs nationwide
    • Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
    • Interest compounded daily, paid monthly
    • FDIC insured

    Why it stands out: With no monthly service fees, no foreign transaction fees, and a variety of overdraft protection options, Capital One is one of the cheapest checking accounts out there. The bank has access to over 39,000 Capital One and AllPoint ATMs and connects to Zelle for digital money transfers. All balances earn 0.10% APY. 

    What to look out for: Though Capital One Cafés are popping up in big cities around the US, the bank only operates about 470 branches in nine states.

    Discover Cashback Debit Account


    Annual Percentage Yield (APY)


    None


    Minimum Deposit Amount


    $0


    Annual Percentage Yield (APY)


    None


    Minimum Deposit Amount


    $0

    Pros

    • Earn up to 1% cash back on up to $3,000 in purchases per month
    • No monthly service fee
    • Over 60,000 ATMs
    • Early direct deposit
    • Enroll in free overdraft protection

    Cons

    • Debit card can only be used in the US, Canada, Mexico, and the Caribbean
    • Only 1 branch location


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    • Earn 1% cash back on up on up to $3,000 per month in eligible debit card purchases
    • 100% US-based customer service available 24/7
    • No opening deposit or minimum account balance
    • No monthly maintenance fees
    • Over 60,000 ATMs
    • FDIC insured

    Why it stands out: Discover doesn’t charge monthly fees, and you can enroll in free overdraft protection. You’ll earn 1% cash back on up to $3,000 in debit card purchases every month, and we’ve chosen Discover as one of our favorite rewards checking accounts.

    What to look out for: You can only use your Discover debit card in the US, Canada, Mexico, and the Caribbean.

    Schwab Bank High Yield Investor Checking® Account


    Annual Percentage Yield (APY)


    0.25% APY


    Minimum Deposit Amount


    $0


    Annual Percentage Yield (APY)


    0.25% APY


    Minimum Deposit Amount


    $0

    Pros

    • No opening deposit
    • No minimum account balance
    • Unlimited out-of-network ATM reimbursements
    • No foreign transaction fees
    • Free overdraft protection

    Cons

    • Must also open a Schwab One brokerage account
    • $25 overdraft fee if you don’t enroll in protection


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    • 24/7 live online chat
    • No ATM network, but unlimited ATM fee reimbursements
    • Interest compounded daily, paid monthly
    • FDIC insured

    Why it stands out: Charles Schwab doesn’t charge ATM fees, and the bank offers unlimited refunds worldwide when an ATM provider charges you a fee. Charles Schwab also doesn’t charge foreign transaction fees, and it has free overdraft protection.

    What to look out for:  You must open a brokerage account with Charles Schwab before opening a checking account.

    LendingClub Rewards Checking Account


    Annual Percentage Yield (APY)


    0.00% to 0.15% APY


    Minimum Deposit Amount


    $100


    Annual Percentage Yield (APY)


    0.00% to 0.15% APY


    Minimum Deposit Amount


    $100

    Pros

    • Earn 1% cash back on credit purchases if you have at a $2,500 balance on your account
    • Earn interest on your checking account
    • No monthly service fee
    • Receive your paycheck 2 days early
    • Unlimited refunds on out-of-network ATM fees
    • Overdraft protection is available that lets you link to another account

    Cons

    • $100 minimum opening deposit
    • Must have $100,000 in your account to earn the highest APY
    • $25 non-sufficient funds charge
    • $5 daily overdraft fee after the 5th straight day of a negative balance
    • Interest compounds monthly, not daily


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    • Earn 1% cash back on all credit purchases if you have at least $2,500 in your account
    • Earn 0.00% APY if you have an account balance of $0.00 to $2,4999.99
    • Earn 0.10% APY if you have an account balance of $2,500 to $99,999.99
    • Earn 0.15% APY if you have an account balance of $100,000 or higher
    • Access to over 325,000 surcharge-free ATMs through the NYCE, SUM and MoneyPass ATM networks
    • Interest compounded monthly, paid monthly
    • Member FDIC

    Why it stands out: This account gives you the opportunity to earn both cash-back rewards and interest if you maintain a $2,500 balance. You can earn cash back on an unlimited amount each month, and you’ll earn up to 1% on select purchases. 

    What to look out for:   You must have $2,500 to make the most of your checking account. LendingClub also compounds interest monthly rather than daily, which will affect how much you earn in the long run.

    Axos Bank Rewards Checking


    Annual Percentage Yield (APY)


    Up to 1.25% APY


    Minimum Deposit Amount


    $50


    Annual Percentage Yield (APY)


    Up to 1.25% APY


    Minimum Deposit Amount


    $50

    More Information

    • $100 Promo with Code “Summer”
    • Up to 1.25% APY
    • Need to switch banks? Use ClickSWITCH to transfer direct deposit payments to Axos in 3 simple steps.
    • Zero monthly maintenance fees
    • Zero overdraft or NSF fees
    • Zero minimum monthly balance reqs
    • Unlimited domestic ATM fee reimbursements
    • Zero Minimum Balance Requirement

    Why it stands out: Axos has a free network of over 91,000 ATMs. It also reimburses an unlimited amount of fees charged by out-of-network ATM providers. The bank doesn’t charge overdraft fees. You have the potential to earn a high APY.

    What to look out for: You can earn up to 1.25% APY , but you must meet certain criteria.

    Each month, you’ll earn 0.40% APY if you receive at least $1,500 in direct deposits each month. You have to meet this requirement first in order to be eligible for additional interest.

    To earn up to 1.25% APY, you also have to do the following monthly:

    • Make 10 debit card transactions (minimum $3 per transaction) or you need to sign up for Account Aggregation/Personal Finance Manager.
    • Keep at least a daily average of $2,500 in an Axos Managed Portfolios Invest Account.
    • Keep at least a daily average of $2,500 in an Axos Self Directed Trading Invest Account.
    • Make a monthly Axos consumer loan payment with your Reward Checking account.

    Chime Checking Account


    Annual Percentage Yield (APY)


    None


    Minimum Deposit Amount


    None


    Annual Percentage Yield (APY)


    None


    Minimum Deposit Amount


    None

    Pros

    • No minimum opening deposit
    • No monthly service fees
    • Receive your paycheck up to 2 days early
    • Rounds debit card purchases up to the nearest dollar and puts spare change in your Chime Savings Account
    • No overdraft fees for overdrafts up to $200 with SpotMe, if you qualify
    • No foreign transaction fees
    • Request checks be sent to recipients online

    Cons

    • $2.50 out-of-network ATM fee
    • No overdraft protection for overdrafts exceeding $200
    • Deposit cash at Green Dot locations, which may charge fees
    • No physical checkbook


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    • 38,000 free ATMs nationwide through MoneyPass® and Visa® Plus Alliance
    • Rounds debit card purchases up to the nearest dollar and moves spare change into your Chime Savings Account
    • Qualify for SpotMe overdraft protection by receiving $200 in direct deposits per month
    • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

    Why it stands out: You can use 38,000 ATMs for free. Chime doesn’t charge foreign transaction fees. You can receive your paycheck up to two days early. If you also have a high-yield Chime Savings Account, then you can round each debit card purchase up to the nearest dollar and automatically put the spare change into savings.

    What to look out for: Chime’s SpotMe feature allows you to overdraw by up to $200 with no overdraft fee — but you must receive $200 in direct deposits each month to qualify for SpotMe. Any transactions that overdraw more than $200 won’t be processed. You’ll just be denied the purchase.

    Alliant High-Interest Checking Account


    Annual Percentage Yield (APY)


    0.25% APY


    Minimum Deposit Amount


    $0


    Annual Percentage Yield (APY)


    0.25% APY


    Minimum Deposit Amount


    $0

    More Information

    • Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
    • Earn a cash bonus of $100 and Alliant will donate an additional $100 to the Alzheimer’s Association, American Cancer Society, or Easterseals; To qualify you meet the following requirements: 1) Open the High-Rate Checking account by October 7, 2022, with a minimum opening deposit of at least $100; 2) Sign up for online statements, make at least one electronic deposit per month, and maintain a $100 account balance through the end of February 2023
    • 80,000 free ATMs
    • Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
    • Interest compounded monthly
    • Federally insured by the NCUA

    Why it stands out: Alliant ranks as one of our top credit union picks, so if you prefer a credit union over a bank, then this checking account could be a good choice. You don’t need to meet any qualifications to earn interest. Alliant’s free network includes over 80,000 ATMs, and the credit union reimburses up to $20 per month in fees charged by out-of-network ATM providers. Alliant does not charge overdraft fees should you overdraw your account.

    What to look out for: Like many credit unions, Alliant compounds your interest monthly rather than daily, which will limit how much you earn.

    Wealthfront Cash Account


    Annual Percentage Yield (APY)


    2.00% APY


    Minimum Deposit Amount


    $1


    Annual Percentage Yield (APY)


    2.00% APY


    Minimum Deposit Amount


    $1

    Pros

    • Use as both a savings and checking account
    • $1 opening deposit
    • No monthly service fees
    • FDIC insured for $1 million
    • Get paid 2 days early
    • Access to a debit card
    • Mobile check deposit
    • Automatically move extra money into investments with Autopilot
    • Save for separate goals in one account

    Cons

    • No physical branch locations
    • To deposit cash, pay a fee at a Green Dot location
    • $2.50 out-of-network ATM fee


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    • FDIC insured for $1 million
    • 19,000 free ATMs
    • Autopilot feature lets you set maximum account balance, and automatically transfers money into investments if you exceed maximum balance by more than $100
    • Interest compounded daily, paid monthly

    Why it stands out: You can receive your paycheck up to two days early. You don’t need to meet any qualifications to earn interest on your balance. Set the maximum amount you want in your account through Wealthfront’s Autopilot feature. When your balance exceeds that amount by over $100, Wealthfront will move the excess funds into a Wealthfront investment account.

    What to look out for: Wealthfront doesn’t charge overdraft fees, but this also means you don’t even have the option to overdraw from the account. Your purchase would just be denied.

    Other checking accounts that didn’t make the cut 

    • Ally Interest Checking Account (Member FDIC): This is a solid online checking account that pays interest on your balance, but its features aren’t as unique as what you’ll find with some of our top picks.
    • HMBradley Account (Member FDIC): Some of our top picks offer higher interest rates, and you need an invitation to open an HMBradley account.
    • Citi Checking Account (Member FDIC): A fine checking account with options to waive the monthly fee, but customer satisfaction is below average, according to J.D. Power’s US National Banking Satisfaction Study.
    • US Bank Easy Checking Account (Member FDIC): A standard checking account with options to waive the $6.95 monthly fee, and customer satisfaction is slightly above average, according to J.D. Power’s US National Banking Satisfaction Study.
    • CIT Bank eChecking Account (Member FDIC): The minimum opening deposit for this account is $100 and it only offers up to $15 of fee-free ATM visits a month; otherwise it’s a fine account earning 0.10% APY on balances below $25,000.
    • Betterment Checking Account (Member FDIC): This online checking account reimburses ATM and foreign transaction fees, and there are no monthly service charges or overdraft penalties. However, Betterment is still in the process of developing features like physical checkbooks and joint accounts.
    • TD Bank Convenience Checking Account (Member FDIC): TD Bank ranked No. 3 on J.D. Power’s US National Banking Satisfaction Study. But its only ATM and branch locations are on the East Coast, and there’s a $3 fee each time you use a non-TD ATM.
    • TD Bank Beyond Checking Account(Member FDIC): This account is favorable for people with high balances. Non-TD ATM fees are reimbursed, but only with a $2,500 minimum daily balance.
    • PNC Performance Select Checking (Member FDIC): PNC ranked No. 2 on J.D. Power’s 2021 US National Banking Satisfaction Study. But in order to waive the $25 monthly fee, you need $5,000 or more in monthly direct deposits, or a $5,000 average balance, or $25,000 in all PNC accounts (including investments). Branch access is limited to the Eastern US.
    • PNC Virtual Wallet® with Performance Spend(Member FDIC): PNC ranked No. 2 on J.D. Power’s 2021 US National Banking Satisfaction Study. But in order to waive the $15 monthly fee, you need $2,000 or more in monthly direct deposits, or a $2,000 average balance, or $10,000 in all PNC deposit accounts. Branch access is limited to the Eastern US.
    • HSBC Premier Checking (Member FDIC): You can earn a $500 welcome deposit when you set up this account and make qualifying direct deposits of $10,000 or more for the first 3 consecutive months after opening it. To become an HSBC Premier client and avoid a $50 monthly service fee, you have to keep $75,000 in bank/investment accounts, receive $5,000 in direct deposits each month, or take out a mortgage of at least $500,000.
    • Axos Bank Essential Checking (Member FDIC): A solid online-only checking account with unlimited ATM fee reimbursement, but nothing extra special.
    • Axos Bank Rewards Checking(Member FDIC): This account offers up to 1% cash back on purchases (you can earn up to $2,000 per month), but doesn’t count transactions from grocery stores and requires an average daily balance of $1,500 to earn the cash back. If your balance falls below that limit, you get 0.50% cash back.
    • TIAA Bank Basic Checking Acccount(Member FDIC): A solid account that waives the already low $5 fee with a daily average balance of $25. To enjoy unlimited ATM reimbursement, however, you need to keep an average daily balance of at least $5,000.
    • TIAA Yield Pledge® Checking Account(Member FDIC): No monthly service fees and all balances earn a competitive APY for the first year; after that, the rate drops. To enjoy unlimited ATM reimbursement you need to keep an average daily balance of at least $5,000. You also need at least $100 to open the account.
    • Wells Fargo Everyday Checking Account (Member FDIC): Wells Fargo’s account is comparable to other checking accounts, but Wells Fargo ranked lower on J.D. Power’s US National Banking Satisfaction Study than other banks.
    • Acorns Spend Account (Member FDIC): When you swipe your Acorns Spend debit card, Acorns will round your purchase up to the nearest dollar and immediately transfer the spare change to your Acorns Invest Account.
    • USAA Classic Checking (Member FDIC): USAA is specifically for military members and family, and new recruits get paid a day early with a checking account.
    • Varo Checking Account (Member FDIC): This is a solid checking account with no monthly fees, but Varo will charge you for using an out-of-network ATM.
    • Consumers Credit Union Free Rewards Checking Account(Federally insured by the NCUA): Consumers pays a great rate on balances under $10,000, but you’re only eligible to earn the best interest rate if you meet activity requirements with your debit and credit card.
    • Aspiration Account (Member FDIC): You have the option to plant a tree every time you swipe your debit card, and you can earn 3% to 5% cash back when you shop at companies like TOMS and Blue Apron.
    • Aspiration Aspiration Plus Accountt (Member FDIC): You’ll receive 10% cash back on select purchases and earn interest on your balance, but there’s a $3.99 monthly fee.

    Are these banks trustworthy?

    The Better Business Bureau assigns companies grades, ranging from F to A . A strong BBB score indicates a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices. Here are the BBB grades for our top picks:

    LendingClub, Capital One 360, and Wealthfront are the only institutions on our list that don’t have at least an A rating from the BBB.

    Wealthfront has a C- grade because it’s received six customer complaints and hasn’t responded to a customer complains. Capital One 360’s BBB rating is because it’s received a high volume of customer complaints. LendingClub has an A- due to government action against the business.

    A strong BBB grade doesn’t guarantee you’ll have a smooth relationship with a company, though. 

    In July 2021, LendingClub Corporation paid $18 million in a settlement with the Federal Trade Commission when accused of deceptive lending practices that charged consumers hidden fees and said they were approved for loans even when they weren’t.

    Chime has also been involved in one recent public controversy: The platform used the URL “Chimebank.com” and the words “bank” and “banking” but Chime isn’t licensed as a bank. Chime is a banking platform, and is insured by a bank. 

    Methodology: How did we choose the best checking accounts?

    We considered offerings at over 20 financial institutions, as well as reviews at popular comparison sites like Bankrate and Nerdwallet, to determine the strongest options for online banking, college students, branch access, low fees, and rewards. We gave precedence to no-monthly-fee checking accounts or those with the option to waive monthly fees with qualifying activities; overdraft protection options; widespread ATM access and/or reimbursement for ATM fees; and mobile banking capabilities.

    We also polled Insider employees for their favorite picks and considered J.D. Power’s US National Banking Satisfaction Study for 2021, which measures customer satisfaction at America’s largest retail banks.

    Unlike a savings account, a checking account doesn’t need to have a high interest rate to be good. In fact, the annual percentage yield (APY) shouldn’t matter much if you’re using your checking account to pay your monthly bills and cover expenses in short order. If your money is constantly flowing in and out of your checking account, it won’t get a chance to earn much interest anyway.

    Frequently asked questions

    At Personal Finance Insider, we strive to help smart people make the best decisions with their money. We spent hours comparing and contrasting the features and fine print of nearly three dozen checking accounts available at over 20 national and online-only banks so you don’t have to.

    We understand that “best” is often subjective, however, so in addition to highlighting the clear benefits of a checking account — no fees, for example — we outline the limitations, too.

    Some checking accounts do earn interest, but not all — and those that do typically don’t earn as much as savings accounts do. A few of our top picks pay interest, but Capital One is the only one that pays an above-average rate to every customer, regardless of your balance.

    An interest checking account is an account that pays interest on your balance. Again, you likely won’t earn as high of a rate as you would with a savings account, because checking accounts are more geared toward accessing your cash than saving.

    You can find no-fee checking accounts at a few big retail banks and nearly every online-only bank, including Ally, Capital One, Charles Schwab, Radius, Discover, Axos, SoFi, Simple, Chime, Wealthfront, Alliant, and HMBradley.

    We believe Capital One offers the best checking account available right now, in large part thanks to $0 in monthly fees, multiple overdraft options, access to 39,000 Capital One ATMs and AllPoint ATMs, and mobile check deposit. As an added bonus, it also earns 0.10% APY on all balances. 

    Many banks allow you to open more than one checking account, but it’s usually unnecessary unless you need an individual account and a joint account.

    It’s not bad to have multiple checking accounts, but it’s usually not necessary. A checking account should hold cash that you are using to cover your expenses each month and no more than that. Any excess cash is best stored in a high-yield savings account, where it can earn up to 200 times more interest than a checking account, or in an investment account.

    Typically, a checking account is the best type of account for regular purchases. Checking accounts typically come with a debit card and/or checks, and they don’t have a limit on how often you can make transactions like savings and money market accounts do.

    The experts’ advice on choosing the best account for you

    To learn more about what makes a good checking account and how to choose the best fit, four experts weighed in:

    Here’s what they had to say about checking accounts. (Some text may be lightly edited for clarity.)

    What makes a checking account good or not good?

    Roger Ma, CFP:

    “I would look at the ATM branch locations and then minimum balance amounts to not incur a monthly fee … I think there’s other stuff that could make life easier, whether it’s a free checks, online bill pay, are they in the Zelle network?”

    Laura Grace Tarpley, Personal Finance Insider:

    “I would make a list of the top three to five things you want out of a checking account. Is it a great mobile app, 24/7 customer support, no ATM fees? Then research the best banks for those features.”

    How can someone determine whether a bank is the right fit for them?

    Tania Brown, CFP:

    “Obviously, you want to make sure it’s FDIC insured. Also, your banking experience — do you like walking into a bank? Well, then you need someone local. Do you just not care if you ever see your bank? Then you’re okay online. Do you write checks? Do you not write checks? So it’s thinking through how your experience with it is going to be before you make that decision.”

    Mykail James, CFEI:

    “The No. 1 thing about a checking account is you should know what provider the debit card is coming from. And a lot of people don’t think about that, because there are places that don’t accept MasterCard or don’t accept an Amex.”

    Laura Grace Tarpley, CEPF

    Personal Finance Reviews Editor

    Laura Grace Tarpley (she/her) is a personal finance reviews editor at Insider. She edits articles about mortgage rates, refinance rates, lenders, bank accounts, wealth building, and borrowing and savings tips for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF).
    She has written about personal finance for six years. Before joining the Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU. You can reach Laura Grace at ltarpley@insider.com.
    See below for some of her work.
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    Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »


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