Checking
Compare Checking
Bank of America
- ATMs: Approximately 15,000+ ATMs
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Our Review: Bank of America is a national bank with many account options and user-friendly online banking. But does this convenience come at a cost? Read on...
Chase
- Checking:
- Chase Total Checking®
- Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
- Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
- Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
- ATMs: 14,000+ Chase ATMs
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Our Review: Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you...
U.S. Bank
- Checking: Smartly Checking
- ATMs: 4,700+ U.S. Bank ATMs across the country
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Our Review: 
Citibank
- ATMs: More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
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Our Review: Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?...
HSBC Bank
- Checking: Premier Checking to enjoy premium banking with both local and global benefits
- ATMs: Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
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Axos Bank
- Checking: Rewards Checking: Up to 3.30% APY
Cashback Checking: Up to 1% cashback - ATMs: approximately 91,000 partner ATMs
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Our Review:
Bluevine
- Checking: 3.00% APY for Premier customers, 1.75% APY for Plus customers, 1.30% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard
- Monthly Fee: Standard tier: $0 per month
Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend)
Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) - Minimum Deposit to Open: $0
- ATMs: approximately 40,000 MoneyPass ATMs
- Balance Requirement: None
- Cash Deposit Fee: $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
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Our Review:
NBKC Bank
- Checking: 1.75% APY. $0 to open, no monthly service fees
- ATMs: 90,000+ surcharge-free ATMs worldwide
Quontic
- Checking: High Interest Checking: Up to 1.10% APY
Cash Rewards Checking: 1.00% cashback
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Our Review:
Acorns
- Checking: Yes
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Our Review:
Greenlight
- Checking: Debit card up to 5 kids. Greenlight Max, Infinity, and Family Shield plans also earn 1% cashback on purchases
- Monthly Fee:
- Greenlight Core: $5.99 per month
- Greenlight Max: $10.98 per month
- Greenlight Infinity: $15.98 per month
- Greenlight Family Shield: $24.98 per month
- Minimum Deposit to Open: $1
- ATMs: Any ATM with a Mastercard, Visa Interlink or Maestro name or logo. But the ATM owner may charge a withdrawal fee.
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Our Review:
Bask Bank
- Checking: 1.00% APY
- ATMs: 55,000+ Allpoint® ATMs
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Our Review: 
Qapital
- Checking: Yes
SoFi
- Checking: 0.50% APY on checking balances
- ATMs: 55,000+ Allpoint ATMs
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Our Review:
Ally Bank
- Checking: 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
- ATMs: 75,000+ no-fee Allpoint and MoneyPass ATMs
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TIAA Bank
- Checking: Yield Pledge Checking: Up to 0.25% APY. Minimum deposit of $100. No monthly service fee.
EverBank
- Checking: 0.25% APY
- ATMs: Nearly 100,000 fee-free ATMs
Capital One
- Checking: 0.10% APY
- ATMs: over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
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Our Review:
FDIC National Average
- Checking: 0.07%
Lili
- Checking: No monthly fees; no balance requirements; no overdraft fees; no foreign transaction fees
- Monthly Fee: $0
- APY: N/A
- ATMs: approximately 40,000 MoneyPass ATMs
- Cash Deposit Fee: Up to $4.95
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Our Review:
North One
- Checking: $0 monthly fee; no balance requirements
- APY: up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
- Minimum Deposit to Open: $50
- ATMs: 55,000+ Allpoint ATMs
- Balance Requirement: None
- Cash Deposit Fee: up to $4.95 with Green Dot locations; 1 reimbursement/month (Standard members); 3 reimbursement/month (Plus members)
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Our Review:
Acorns Early
- Checking: Debit card up to 4 kids
- Monthly Fee:
- Acorns Early Lite ($8/month): Smart money app + debit card for up to 4 kids
- Acorns Gold ($12/month): Includes all Lite features, plus expert tools for family financial wellness
- Minimum Deposit to Open: $0
- ATMs: No fee for either domestic (US) or international ATM use. ATM owners may charge a fee.
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Our Review:
Novo
- Checking: No monthly fees; no balance requirements
- Monthly Fee: $0
- APY: N/A
- Minimum Deposit to Open: $50 to access all Novo's features
- ATMs: up to $7 per month reimbursement of ATM fees worldwide
- Balance Requirement: None
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Our Review:
Relay
- Checking: Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
- Monthly Fee: $0
- APY: N/A
- ATMs: 55,000+ AllPoint ATMs
- Balance Requirement: None
- Cash Deposit Fee: $0 for cash deposits at Allpoint ATMs
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Our Review:
Western Alliance Bank
- Checking: Personal Checking, Personal Interest Checking
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Our Review:
UFB Direct
- Checking: N/A
- ATMs: Free withdrawals at 91,000 ATMs across the nation
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Our Review:
Current
- Checking: Earn up to 15x points on purchases at participating merchants
- Monthly Fee: $0
- ATMs: Free access to 40,000+ Allpoint ATMs
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Our Review:
BusyKid
- Checking: Up to 5 BusyKid Visa® Prepaid Cards per family
- Monthly Fee: $4 per month (billed annually at $48)
- Minimum Deposit to Open: $0
- ATMs: 55,000+ Allpoint ATMs; $1.50 withdrawal fee, plus ATM owners may also charge a fee.
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Our Review:
Copper
- Checking: N/A
- Monthly Fee: $0
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Our Review:
FamZoo
- Checking: Prepaid debit cards for multiple kids
- Monthly Fee: $5.99 per month OR $59.90 for 12 months
- Minimum Deposit to Open: $0
- ATMs: Any ATM, but the ATM owner may charge a fee.
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Our Review:
Found
- Checking: No required monthly fees; no minimum balance fees; no overdraft fees
- Monthly Fee: $0
- APY: N/A
- ATMs: Any ATM that accepts Mastercard; No ATM fees from Found, but owner may charge a fee
- Cash Deposit Fee: $1.75
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Our Review:
GO2bank
- Checking: No monthly fees with eligible direct deposit (otherwise $5 per month)
- Monthly Fee: $0/mo with eligible direct deposit (otherwise $5 per month)
- ATMs: Over 55,000 fee-free AllPoint ATMs
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Our Review:
Jassby
- Checking: Digital and physical debit cards; Supports up to 6 people per family
- Monthly Fee: $5.95 per month
- Minimum Deposit to Open: $0
- ATMs: No access to ATMs
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Our Review:
Marcus by Goldman Sachs
- Checking: N/A
- ATMs: None
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Our Review:
Mazoola
- Checking: Virtual debit card only for contactless payments with Apple Pay or Google Pay
- Monthly Fee: $0
- ATMs: No access to ATMs
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Our Review:
Till
- Checking: No monthly fees; Supports multiple kids per family
- Monthly Fee: $0
- ATMs: Any ATM, but the ATM owner may charge a fee
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Our Review:
Varo Bank
- Checking: No monthly service fee; no minimum balance; no overdraft fees
- Monthly Fee: $0
- ATMs: over 40,000 fee-free AllPoint ATMs
Digit
- Checking: No
Rize
- Checking: No
Wells Fargo
- Checking: Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
- ATMs: 11,000+ ATMs across the country
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Our Review: Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options...
Fifth Third Bank
- Checking:
- Fifth Third Momentum® Checking: No monthly service charge
- Fifth Third Preferred Checking®: Interest-bearing checking account
- Fifth Third Student Banking: Personal checking account for students age 13 and up.
- ATMs: 2,100+ Fifth Third ATMs plus 40,000+ fee-free ATMs nationwide
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Our Review:
PNC Bank
- Checking:
- Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old.
- Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits.
- Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments.
- ATMs: approximately 60,000 PNC and partner ATMs
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Our Review:
Betterment
- Checking: No-Fee Checking
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Our Review:
Huntington Bank
- Checking:
- Asterisk-Free Checking: No minimum balance and no monthly maintenance fees
- Huntington Perks Checking: 5 non-Huntington ATM withdrawals per month
- Huntington Platinum Perks Checking: Unlimited non-Huntington ATM withdrawals
- ATMs: over 1,600 ATMs
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Our Review:
Chime
- Checking: No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
- Monthly Fee: $0
- ATMs: Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
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Our Review:
Mercury
- Checking: No monthly fees; no balance requirements
- Monthly Fee: $0
- APY: N/A
- ATMs: 55,000+ Allpoint ATMs
- Balance Requirement: None
Navy Federal Credit Union
- Checking: Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
- ATMs: 360+ Navy Federal and more than 30,000 CO-OP Network ATMs
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Our Review:
USAA Bank
- Checking: Classic Checking, Youth Spending
- ATMs: 100,000+ USAA and USAA-preferred ATMs
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Our Review:
BMO
- Checking: Smart Advantage, Smart Money, Relationship
- ATMs: 40,000+ BMO and Allpoint ATMs
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Our Review:
TD Bank
- Checking: TD Complete Checking, TD Beyond Checking, TD Essential Banking
- ATMs: 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
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