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COMPARE CHECKINGSAVINGSCDMONEY MARKETCASH MANAGEMENTALLCHECKING ACCOUNTS IN Edit my search Minimum account balance Monthly direct deposit Institution type 4 selected Account features No monthly feeReduced monthly feesMobile App availableOverdraft fees under $25Show all -------------------------------------------------------------------------------- Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Here are 16 options for you Sort by APYEstimated monthly costBalance to avoid feeOut-of-network ATM fee Learn More Member FDIC Axos Bank® Rewards Checking Checking 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY 3.30% Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$168 Monthly fee $0 Learn More Member FDIC See details See details Benefit overview * Interest Earning Account * Mobile App Available * Rewards Earning Account * Reduced ATM Fees * Overdraft Forgiveness Account Details * Use promo code SUNNYBONUS and apply by December 31st, to earn up to a $300 bonus! * Zero monthly maintenance fees * Zero overdraft or NSF fees * Zero minimum monthly balance reqs * Unlimited domestic ATM fee reimbursements * Online debit card management * Simple, 3-step process for direct deposit * Only $50 to open an account Learn More Federally insured by NCUA Consumers Credit Union Free Rewards Checking Checking 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY 3.00% Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$152 Monthly fee $0 Learn More Federally insured by NCUA See details See details Benefit overview * Interest Earning Account * Mobile App Available * Reduced ATM Fees Account Details * CCU will reimburse all ATM and surcharge fees when reaching certain requirements * Unlimited check-writing privileges * Surcharge-free ATM network: CO-OP Learn More Member FDIC SoFi Checking and Savings Checking 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY 0.50% Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$25 Monthly fee $0 Learn More Member FDIC See details See details Account Details * SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. * Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. * Get paid up to 2 days early * Pay no account fees or overdraft fees * Earn up to $250 with direct deposit. Terms apply. * Get up to $2M of FDIC insurance through the SoFi Insured Deposit program * SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC's regulations. Any additional FDIC insurance is provided by a network of participating banks. Deposits may be insured up to $2M through participation in the program. See full terms at sofi.com/banking/fdic/terms/. See list of partner banks at sofi.com/banking/fdic/receivingbanks Learn More Member FDIC Capital One 360 Checking Checking 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY 0.10% Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$5 Monthly fee $0 Learn More Member FDIC See details See details Benefit overview * Mobile App Available * Mobile Check Deposits * Free Debit Card Replacement Account Details * 70,000+ Capital One and partner ATMs * No fees or minimums * Open in about 5 minutes * Get paid early * 24/7 mobile banking with our top rated mobile app Learn More on Citibank, N.A.'s website Citi® Priority Relationship Tier Checking 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY N/A Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$0 Monthly fee $0 Learn More on Citibank, N.A.'s website See details See details Account Details * No monthly service fees when in the Citi Priority Relationship Tier. * New To Relationship customers can choose their relationship tier with 3 months to meet $30,000 balance range requirement. * Earn up to a $2,000 cash bonus when you open a new eligible Citi checking account. * Simplified banking with Citi checking account. * No overdraft fees on consumer checking accounts. * No ATM fees at 65,000+ ATMs across the U.S. * Waived fees for money orders, stop payments, and more. * Increased limits for debit card purchases and daily ATM withdrawals. Learn More Member FDIC Discover Cashback Debit Checking 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY N/A Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$0 Monthly fee $0 Learn More Member FDIC See details See details Benefit overview * Mobile App Available * Rewards Earning Account * Free Debit Card Replacement * Reduced ATM Fees * Mobile Check Deposits Account Details * Cashback – Earn 1% cash back on up to $3,000 in debit card purchases each month * No. Fees. Period. That means you won’t be charged an account fee on our Cashback Debit account. * Early Pay – Get your paycheck up to two days early with no charge * No credit impact - You can apply without affecting your credit score. * See website for details Learn More Member FDIC Chase Secure Banking℠ Checking 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY N/A Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$0 Monthly fee $4.95 Learn More Member FDIC See details See details Account Details * New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch. * Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers. * No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance. * Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®. * Chase Secure Banking℠ customers told Chase they save an average of $50 a month on fees after opening their account. * JPMorgan Chase Bank, N.A. Member FDIC. * Pay bills, cash checks and send or receive money with Zelle® all for a $4.95 monthly service fee. * Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com. Learn More Member FDIC Chase Total Checking® Checking 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY N/A Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$0 Monthly fee $12 Bal. for no fee $1,500 Learn More Member FDIC See details See details Benefit overview * Mobile App Available * Mobile Check Deposits * Free Debit Card Replacement Account Details * New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account with qualifying activities * Access to more than 15,000 Chase ATMs and more than 4,700 branches * Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. * JPMorgan Chase Bank, N.A. Member FDIC * Open your account online now * Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. * Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* * *With Chase Overdraft Assist℠, Chase won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Learn More Member FDIC Varo Bank Account Checking 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY N/A Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$0 Monthly fee $0 Learn More Member FDIC See details See details Benefit overview * Mobile App Available * Mobile Check Deposits * Free Debit Card Replacement Account Details * No monthly fees, no transfer fees, and no foreign transaction fees * No fees at 55,000+ Allpoint ATMs * Get paid up to two days early with direct deposit Learn More Deposits are FDIC Insured Chime Checking Account Checking 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. APY N/A Est. 1 yr1 year gainThis number is based on the deposit amount you provided for a 1 year period and is rounded to the nearest dollar. Exact earnings are dependent on balance and compounding frequency. Minimum deposit rules may apply. Rates are subject to change and assume your balance stays the same.$0 Monthly fee $0 Learn More Deposits are FDIC Insured See details See details Benefit overview * Mobile App Available * Rewards Earning Account Account Details * No late fees * No minimum balance * No monthly service fees * No foreign transaction fees * No transfer fees * Chime is a financial technology company, not a bank. 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