Checking
Compare Checking
Discover Bank
- Checking: Cashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details
- ATMs: Over 60,000 no-fee ATMs
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Our Review: (4.6) Discover® Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account...
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 College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
- Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
- ATMs: 15,000+ Chase ATMs
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Our Review: (3.6) 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...
Citibank
- ATMs: More than 70,000 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, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?...
TD Bank
- Checking: TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠
- ATMs: Approximately 700 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
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Our Review: (3.9) TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere...
BMO Bank
- Checking: Smart Advantage, Smart Money, Relationship
- ATMs: 40,000+ BMO and Allpoint ATMs
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Our Review: (3.5) BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on...
Bluevine
- Checking: 4.25% APY for Premier customers, 2.0% 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
Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) - Minimum Deposit to Open: $0
- ATMs: 38,000+ MoneyPass ATMs
- Balance Requirement: None
- Cash Deposit Fee:
- $4.95 per deposit at Green Dot locations
- $1 + 0.5% of the deposit amount at Allpoint+ ATMs
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Our Review: (4.4) Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review...
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: (4.0) Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account...
Customers Bank
- Checking: Up to 2.00% APY. $50 to open, no balance required, no monthly fees.
NBKC Bank
- Checking: 1.75% APY. $0 to open, no monthly service fees
- ATMs: Free withdrawal at over 32,000 MoneyPass® ATMs nationwide
Quontic
- Checking: High Interest Checking: Up to 1.10% APY
Cash Rewards Checking: 1.00% cashback
Bitcoin Rewards Checking: 1.5% Bitcoin
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Our Review: (4.3) Quontic Bank aims to provide a better experience (and rewards) for those underserved by traditional banks. Review the rates, fees, and customer reviews...
Acorns
- Checking: Yes
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Our Review: (4.1) Acorns automatically invests your spare change. But can it help make you money? Find out if this app is safe and legit...
Greenlight
- Checking: Debit card up to 5 kids. Greenlight Max and Infinity plans also earn 1% cashback on purchases
- Monthly Fee: Greenlight Core: $4.99 per month
Greenlight Max: $9.98 per month
Greenlight Infinity: $14.98 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: (4.0) Looking to teach your kids or tweens how banks and debit cards really work? Greenlight may be for you. Learn the pros, cons, fees, and more in this review...
Qapital
- Checking: Yes
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Our Review: (4.0) Qapital "forces" you to save by rounding up your purchases or following rules you've chosen. So can this mobile app for beginning savers help you? Read on to find out...
SoFi
- Checking: 0.50% APY on checking balances with direct deposit activity or qualifying deposits
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Our Review: (3.8) SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work...
Charles Schwab Bank
- Checking: 0.45% APY, $0.01 account minimum
- ATMs: Unlimited ATM fee rebates when used with ATMs with the Visa, Interlink logo. Available worldwide.
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Our Review: (4.1) Charles Schwab is more than a brokerage. It also offers high yield checking and savings interest rates that might far surpass your local bank. Read on to learn the pros and cons...
CIT Bank
- Checking: eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000
- ATMs: No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)
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Our Review: (4.4) CIT Bank offers a high interest rate. But how reliable is this online bank? Read this review to find out if what you heard is true...
Ally Bank
- Checking: 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
- ATMs: Over 43,000 no-fee Allpoint ATMs
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Our Review: (4.4) Ally Bank offers good interest rates and no account minimums. But is this popular online bank good for you? Learn the benefits (and drawbacks) here...
TIAA Bank
- Checking: Yield Pledge Checking: Up to 0.25% APY. Minimum deposit of $100. No monthly service fee.
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Our Review: (4.2) If you have a large opening deposit, TIAA Bank provides a variety of options at high rates. But there are downsides. Read on to see if it's right for you...
LendingClub Bank
- Checking: 0.10% APY on balances $2,500 - $99,999.99; 0.15% APY for balances of $100,000 and more. 1% cash back on Qualified Purchases.
- ATMs: Unlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners.
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Our Review: (4.1) Need a modern bank to help boost your funds? LendingClub's High-Yield Savings account might be for you. Learn more here...
Capital One
- Checking: 0.10% APY
- ATMs: Over 70,000 no-fee Capital One & Allpoint ATMs
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Our Review: (4.3) Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you...
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: 38,000+ MoneyPass ATMs
- Cash Deposit Fee: $4.95
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Our Review: (4.4) Lili offers a free business checking account with tax planning and expense tracking tools. Review the features to find out if Lili is worth it...
Free Checking Account for Sole Proprietors and Single-Member LLC
goHenry
- Checking: Debit card up to 4 kids (Family Plan); 1 debit card (Individual Child)
- Monthly Fee: Individual Child - $4.99 per month
Family Plan - $9.98 per month - Minimum Deposit to Open: $5
- ATMs: No fee for either domestic (US) or international ATM use. ATM owners may charge a fee.
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Our Review: (3.8) GoHenry offers kids a debit card and fun money lessons. But is it worth the monthly fee? Find out the pros, cons, and whether it's safe for your child...
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: (4.6) Relay Financial offers online banking services for businesses. Yes, it is free. But, is it the right platform for you? Find out...
Copper
- Checking: 0.001% APY; no overdraft fees
- Monthly Fee: Copper Basic Plan: $4.95 per month
Copper Pro Plan: $7.95 per month - Minimum Deposit to Open: $0
- ATMs: Free access to 55,000+ Allpoint ATMs
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Our Review: (4.1) Copper Banking is a banking and investing platform to teach kids and teens financial literacy. Discover its features, pros, and cons in this 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: (3.3) Novo provides digital banking services for entrepreneurs and small businesses. Explore Novo's features, business perks, and fees in this review...
UFB Direct
- Checking: N/A
- ATMs: Free withdrawals at 91,000 ATMs across the nation
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Our Review: (4.3) UFB Direct offers high interest rates. But is it a safe choice? Find out in this review...
BusyKid
- Checking: Up to 5 BusyKid Spend 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: (3.8) BusyKid lets your child earn, save, and invest their allowance. But is it safe? Find out if the app is worth the cost...
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: (4.4) Is Current a good fit for you? Discover its benefits and drawbacks, and see how it sizes up against apps like Chime in this review...
FamZoo
- Checking: Prepaid debit cards for multiple kids
- Monthly Fee: $5.99 per month, OR
$25.99 for 6 months
$39.99 for 12 months
$59.99 for 24 months - Minimum Deposit to Open: $0
- ATMs: Any ATM, but the ATM owner may charge a fee.
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Our Review: (4.2) FamZoo is a virtual family bank offering prepaid debit cards for kids. But is it worth the monthly fee? Find out how it stacks up in this review...
Found
- Checking: No monthly fees; no minimum balane 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
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Our Review: (4.3) Found Business Banking offers helpful tax and invoicing tools for self-employed people. But it lacks other basic features. Here's what you need to know...
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: (4.0) Get the real deal about GO2bank. Is it legit? Find out in this in-depth 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: N/A
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Our Review: (3.6) Jassby is a debit card and an app with parental controls for kids and teens. But is it safe and secure? Find out if Jassby is worth it for your child...
Marcus by Goldman Sachs
- Checking: N/A
- ATMs: None
Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons...
Mazoola
- Checking: Virtual debit card only for contactless payments with Apple Pay or Google Pay
- Monthly Fee: $0
- ATMs: N/A
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Our Review: (3.6) Is the Mazoola app and virtual debit card safe? Find out how to use Mazoola to teach your kid about financial responsibility...
NorthOne
- Checking: $0 monthly fee; no balance requirements
- APY: N/A
- Minimum Deposit to Open: $50
- ATMs: 38,000+ MoneyPass ATMs
- Balance Requirement: None
- Cash Deposit Fee: $4.95
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Our Review: (4.3) NorthOne is a banking platform for small businesses. But is it right for you? Find out the unique features it offers and how it compares...
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: (3.9) Is Till Financial legit and safe for kids? Find out how a Till debit card compares to competitors like Greenlight and GoHenry...
Varo Bank
- Checking: No monthly service fee; no minimum balance; no overdraft fees
- Monthly Fee: $0
- ATMs: Over 55,000 fee-free AllPoint ATMs
Western Alliance Bank
- Checking: N/A
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Our Review: (3.9) Western Alliance Bank offers savings products with competitive APYs for people looking to grow their money. Is there a catch? Read on to find out...
Digit
- Checking: No
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Our Review: (3.3) Digit automatically builds a savings fund for you by withdrawing small, affordable amounts. But it's not perfect. Is it worth the fee? Let's find out...
Rize
- Checking: No
Bank of America
- ATMs: Approximately 16,000+ 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...
Wells Fargo
- Checking: Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
- ATMs: More than 12,000 ATMs across the country.
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Our Review: (3.9) 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...
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: (3.5) PNC Bank has relatively low requirements to waive fees and offers many financial tools to help you meet savings goals. Read on to see if this East Coast bank is right for you...
Virtual Wallet with Performance Select Checking - $400 Bonus
Betterment
- Checking: No-Fee Checking
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Our Review: (4.1) Betterment offers low fees and good returns. But there are risks you should NOT ignore. Read this review to see if Betterment is better...
HSBC Bank
- Checking: Premier Checking: $50 monthly service fee waived if you maintain a minimum balance of $75,000 in combined HSBC deposit and investment accounts, OR have at least $5,000 in total direct deposits per month.
- ATMs: Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
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Our Review: HSBC Bank offers a global banking account ideal for those who live and work overseas. Is it right for your needs? Read on for the pros and cons...
Chime
- Checking: No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
- Monthly Fee: $0
- ATMs: Over 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
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Our Review: (4.5) Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings...
Mercury
- Checking: No monthly fees; no balance requirements
- Monthly Fee: $0
- APY: N/A
- ATMs: 55,000+ Allpoint ATMs
- Balance Requirement: None
US Bank
- Checking: Smartly Checking
- ATMs: More than 37,000 ATMs across the country
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Our Review: (3.7) Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks...
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: Allpoint® and 7-Eleven® network of ATMs. More than 50,000 fee-free ATMs nationwide.
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Our Review: (3.3) Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you...
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 1,700 ATMs
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Our Review: (3.9) Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you...