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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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Online Savings Account - Earn 4.25% APY

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

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

Chase Bank $300 Bonus

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.

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?... Read full review

Enhanced Direct Deposit - Earn $300 Cash Bonus

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

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

TD $300 Beyond Checking Bonus

BMO Bank

  • Checking: Smart Advantage, Smart Money, Relationship
  • ATMs: 40,000+ BMO and Allpoint ATMs

Our Review: StarStarStarHalf StarEmpty Star (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... Read full review

BMO Smart Advantage Checking - $250 Cash Bonus

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Free Business Checking - Up to 2.0% APY

Axos Bank

  • Checking: Rewards Checking: Up to 3.30% APY
    Cashback Checking: Up to 1% cashback
  • ATMs: Approximately 91,000 partner ATMs

Our Review: StarStarStarStarEmpty Star (4.0) Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account... Read full review

Rewards Checking - Up to 3.30% APY

Customers Bank

  • Checking: Up to 2.00% APY. $50 to open, no balance required, no monthly fees.

High-Yield Savings Account - 5.26% APY

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

High Yield Savings - 4.50% APY

Acorns

  • Checking: Yes

Our Review: StarStarStarStarStarEmpty Star (4.1) Acorns automatically invests your spare change. But can it help make you money? Find out if this app is safe and legit... Read full review

$20 Investment Bonus

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.

Our Review: StarStarStarStarEmpty Star (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... Read full review

Greenlight Debit Card for Kids

Qapital

  • Checking: Yes

Our Review: StarStarStarStarEmpty Star (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... Read full review

SoFi

  • Checking: 0.50% APY on checking balances with direct deposit activity or qualifying deposits

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

Refinance Student Loans

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.

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

High Yield Investor Checking – Unlimited ATM Rebates

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)

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

CIT Bank Platinum Savings

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Online Savings Account - 4.25% APY

TIAA Bank

  • Checking: Yield Pledge Checking: Up to 0.25% APY. Minimum deposit of $100. No monthly service fee.

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

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.

Our Review: StarStarStarStarStarEmpty Star (4.1) Need a modern bank to help boost your funds? LendingClub's High-Yield Savings account might be for you. Learn more here... Read full review

Referral Program - Up to $500 Bonus

Capital One

  • Checking: 0.10% APY
  • ATMs: Over 70,000 no-fee Capital One & Allpoint ATMs

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Personal Checking Account - $250 Bonus

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

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.

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

GoHenry Kids' Debit Card

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

Our Review: StarStarStarStarStarEmpty Star (4.6) Relay Financial offers online banking services for businesses. Yes, it is free. But, is it the right platform for you? Find out... Read full review

No-Fee Business Checking

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Teen Banking

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

Our Review: StarStarStarStarEmpty StarEmpty Star (3.3) Novo provides digital banking services for entrepreneurs and small businesses. Explore Novo's features, business perks, and fees in this review... Read full review

Free Business Checking

UFB Direct

  • Checking: N/A
  • ATMs: Free withdrawals at 91,000 ATMs across the nation

Our Review: StarStarStarStarStarEmpty Star (4.3) UFB Direct offers high interest rates. But is it a safe choice? Find out in this review... Read full review

UFB Secure Savings - Earn up to 5.25% APY

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.

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

BusyKid Prepaid Card for Kids

Current

  • Checking: Earn up to 15x points on purchases at participating merchants
  • Monthly Fee: $0
  • ATMs: Free access to 40,000+ Allpoint ATMs

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Build Credit While You Bank

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.

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

FamZoo Prepaid Card for Kids and Teens

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Free Business Banking for the Self-Employed

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

Our Review: StarStarStarStarEmpty Star (4.0) Get the real deal about GO2bank. Is it legit? Find out in this in-depth review... Read full review

Referral Program - Up to $1,500 Bonus

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

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

Jassby Debit Card for Teens

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... Read full review

Marcus Online Savings - Earn 4.50% APY

Mazoola

  • Checking: Virtual debit card only for contactless payments with Apple Pay or Google Pay
  • Monthly Fee: $0
  • ATMs: N/A

Our Review: StarStarStarStarEmpty StarEmpty Star (3.6) Is the Mazoola app and virtual debit card safe? Find out how to use Mazoola to teach your kid about financial responsibility... Read full review

Mobile Wallet for Kids

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

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

NorthOne Free Business Banking

Till

  • Checking: No monthly fees; Supports multiple kids per family
  • Monthly Fee: $0
  • ATMs: Any ATM, but the ATM owner may charge a fee

Our Review: StarStarStarStarEmpty StarEmpty Star (3.9) Is Till Financial legit and safe for kids? Find out how a Till debit card compares to competitors like Greenlight and GoHenry... Read full review

New User: $25 Bonus using the voucher code CREDITDONKEY

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

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

High-Yield Savings Premier - 5.36% APY

Digit

  • Checking: No

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

30 Days for Free

Rize

  • Checking: No

Bank of America

  • ATMs: Approximately 16,000+ ATMs

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... Read full review

Bank of America Advantage Banking - $200 Bonus Offer

Wells Fargo

  • Checking: Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
  • ATMs: More than 12,000 ATMs across the country.

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

Personal Checking Account - $2,500 Bonus

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.
    Select Markets Only*
  • ATMs: Approximately 60,000 PNC and partner ATMs

Our Review: StarStarStarHalf StarEmpty Star (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... Read full review

Virtual Wallet with Performance Select Checking - $400 Bonus

Betterment

  • Checking: No-Fee Checking

Our Review: StarStarStarStarStarEmpty Star (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... Read full review

Compare Pricing

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.

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... Read full review

HSBC Premier - Earn Up to $4,000

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

Our Review: StarStarStarStarHalf Star (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... Read full review

Get Started

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

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

U.S. Bank Smartly® Checking - Up to $400 Bonus

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.

Our Review: StarStarStarStarEmpty StarEmpty Star (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... Read full review

Personal Checking Account - $325 Bonus

Huntington Bank

Our Review: StarStarStarStarEmpty StarEmpty Star (3.9) Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers. Read on to see if this bank is right for you... Read full review

Personal Checking Account - $600 Bonus


Articles on Checking

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Best Bank to Open a Checking Account

Want to dodge hefty banking fees? Learn about the best free checking accounts in this detailed guide. No hidden charges or high balances needed.
Best Checking Accounts for Seniors

Best Checking Accounts for Seniors

Looking for a senior-friendly checking account? Review top recommendations in this guide, including free checking, banks offering welcome bonuses and more.
Best High Yield Checking Accounts

Best High Yield Checking Accounts

High-yield checking accounts offer rates high enough to rival savings and money market accounts. Discover the top 5 high-yield checking accounts here.

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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