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Checking


Compare Checking

Discover Bank

  • Checking: Earn 1% cashback on up to $3,000 in debit card purchases each month
  • ATMs: Over 60,000 no-fee ATMs
Pros:
  • High yield
  • Cashback checking
  • 24/7 customer service
Cons:
  • No interest checking
  • $2,500 minimum deposit for CDs

Our Review: StarStarStarStarStarEmpty Star (4.6) Discover 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

Discover Online Savings - $200 Cash Bonus

Acorns

  • Checking: Yes
Pros:
  • No minimum investment
  • Invest with spare change
  • Cash-back program
Cons:
  • Fees are high for small balances
  • No tax benefits
  • Limited investment options

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

$10 Sign-Up Bonus

Axos Bank

  • Checking: Rewards Checking: Earn up to 1.00% APY

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 1.00% APY

Qapital

  • Checking: Yes
Pros:
  • No minimum balance
  • Rules-triggered savings
Cons:
  • No interest
  • Only available on a smartphone
  • No phone support

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

CIT Bank

  • Checking: eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000
Pros:
  • High yield
  • No monthly service fees
  • Low opening deposits
Cons:
  • No physical locations
  • No check writing

Our Review: StarStarStarStarHalf Star (4.5) 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 Money Market Account

Ally Bank

  • Checking:
    • 0.10% APY under $15,000
    • 0.25% APY $15,000 or more
  • ATMs: Over 43,000 no-fee Allpoint ATMs
Pros:
  • CD options
  • No account minimums
  • Good customer service
Cons:
  • Low Checking APY for lower balance customers

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 - 0.50% APY

NBKC Bank

  • Checking: 0.15% APY. $5 to open, no monthly service fees
  • ATMs: Free withdrawal at over 32,000 MoneyPass® ATMs nationwide

LendingClub Bank

  • Checking: For balances of $2,500 - $99,999.99, you earn 0.10% APY. For balances $100,000 and more, you earn 0.15% APY.
Pros:
  • No monthly service fee
  • Checking rewards
  • ATM fee rebates
  • Early direct deposit
Cons:
  • High minimum balance for rewards
  • Low savings APY

Our Review: StarStarStarStarEmpty Star (4.0) LendingClub Bank (formerly Radius Bank) offers high yield savings and checking accounts. So what's the catch? Read on to see if this online bank is worth it... Read full review

Rewards Checking

Capital One

  • Checking: 0.10% APY
  • ATMs: Over 40,000 no-fee Capital One & Allpoint ATMs
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks

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 - $100 Bonus

TIAA Bank

  • Checking: Yield Pledge Checking: 0.10% APY. Minimum deposit of $5,000. No monthly service fee.
Pros:
  • High intro APY
  • No monthly service fees
  • Refund ATM fees
Cons:
  • Large minimum deposit
  • Intro rate only for one year

Our Review: StarStarStarStarStarEmpty Star (4.2) If you have a large opening deposit, TIAA Bank provides a variety of options at high introductory rates. But there are downsides. Read on to see if it's right for you... Read full review

Yield Pledge Checking

Charles Schwab Bank

  • Checking: 0.03% APY, $0.01 account minimum
  • ATMs: Unlimited ATM fee rebates when used with ATMs with the Visa, Interlink logo. Available worldwide.
Pros:
  • No account minimum
  • No service fees
  • Refund all ATM fees
Cons:
  • Only checking or savings
  • Must do banking online

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

FDIC National Average

  • Checking: 0.03%

Citibank

  • Checking: Citi Priority Account: 0.01% Annual Percentage Yield
  • ATMs: More than 65,000 fee-free ATMs at Citibank branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY

Our Review: StarStarStarHalf StarEmpty Star (3.5) 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

Citi Priority Account - Up to $1,500 Cash Bonus

HSBC Bank

  • Checking: Basic Banking: no minimum requirements; $1 monthly service fee
    Choice Checking: $15 monthly service fee waived if you set up direct deposit OR maintain a minimum monthly balance of $1,500
    Advance Checking: $25 monthly service fee waived if you maintain a minimum monthly balance of $5,000 in combined HSBC deposit and investment accounts.
    Premier Checking: $50 monthly service fee waived if you maintain a minimum monthly balance of $75,000 in combined HSBC deposit and investment accounts.
  • ATMs: Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
Pros:
  • Global presence
  • High online savings APY
Cons:
  • Not in every state

Our Review: StarStarStarStarStarEmpty Star (4.3) HSBC Bank offers a full array of services for different needs, including a high-yield online savings and several checking options. But there are downsides. Read on for the pros and cons... Read full review

HSBC $450 Premier Checking Bonus

Digit

  • Checking: No
Pros:
  • No minimum balance
  • Save without thinking
  • 1% annual savings bonus
Cons:
  • High monthly fee
  • No phone support
  • Not for long term savings

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

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: 16,000 Chase ATMs
Pros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states

Our Review: StarStarStarStarStarEmpty Star (4.1) 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 $225 Bonus

Bank of America

  • ATMs: Approximately 17,000 ATMs
Pros:
  • Large branch network
  • Extended customer service hours
  • Full service banking
Cons:
  • No free checking option
  • Low interest rates
  • Many miscellaneous banking fees

Our Review: StarStarStarStarEmpty StarEmpty Star (3.2) 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 Plus Banking® - $100 Bonus Offer

Wells Fargo

  • Checking: Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
  • ATMs: More than 13,000 ATMs across the country.

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 - $200 Bonus

US Bank

  • Checking: Easy Checking, Gold Checking Package, Platinum Checking Package
  • ATMs: More than 4,700 ATMs across the country
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY

Our Review: StarStarStarStarEmpty StarEmpty Star (3.7) U.S. Bank is the country's fifth largest bank, but does that make them a bank that will suit your banking needs? Do you need one of the country's largest banks or is a smaller bank more your style?... Read full review

Business Checking Account - $300 Bonus

PNC Bank

  • Checking: Virtual Wallet, Virtual Wallet with Performance Spend, Virtual Wallet with Performance Select
  • ATMs: 18,000 ATMs across 37 states and the District of Columbia.
Pros:
  • Virtual Wallet tools
  • Relatively easy to waive fees
  • Free student account
Cons:
  • Limited branches
  • Low APY

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 - $300 Cash 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.
Pros:
  • Free Express Checking
  • Free student checking
  • Promo CD with high APY
Cons:
  • Higher balance requirements
  • Low savings APY
  • Limited branches

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

Fifth Third Checking Account - $300 Bonus

TD Bank

  • Checking: TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠
  • ATMs: Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
Pros:
  • Extended banking hours
  • Low requirements to waive monthly fees
  • No foreign transaction fees
Cons:
  • No free checking
  • Low APY
  • Only on East Coast

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

Betterment

  • Checking: No-Fee Checking
Pros:
  • No minimum investment
  • Many customized portfolios
  • Automatically invest extra funds
Cons:
  • Limited investment options
  • High fees for large investors

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

Get up to 1 Year Managed Free

BlueVine

  • Checking: No monthly fees; no balance requirements; no overdraft fees; 0.6% APY on balances up to $100,000
  • APY: 0.6% APY on balances up to $100,000
  • Minimum Deposit Required: $0
  • ATMs: 37,000+ MoneyPass ATMs

Lili

  • Checking: No monthly fees; no balance requirements; no overdraft fees; no foreign transaction fees
  • APY: N/A
  • Minimum Deposit Required: $0
  • ATMs: 38,000+ MoneyPass ATMs
Pros:
  • No monthly service fees
  • Expense tracking
  • No balance minimums
Cons:
  • Mobile check deposit requirements
  • Slow check deposit clearing times
  • No savings APY

Our Review: StarStarStarStarStarEmpty Star (4.3) Lili offers a business checking account and debit card for freelancers and independent contractors. Review the features to find out if Lili is worth it... Read full review

Mobile Banking for Freelancers

Novo

  • Checking: No monthly fees; no balance requirements; $50 initial deposit to access all features
  • APY: N/A
  • Minimum Deposit Required: $50 to access all Novo's features
  • ATMs: Unlimited reimbursement of all ATM fees worldwide
  • Balance Requirement: None
Pros:
  • No monthly fees
  • Unlimited ATM refunds
  • Lots of software integrations
Cons:
  • No cash deposits
  • Can't send wires

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

Powerfully Simple Business Banking

Varo Bank

  • Checking: No monthly service fee; no minimum balance
  • ATMs: Over 55,000 fee-free AllPoint ATMs

Huntington Bank

Pros:
  • Free checking option
  • 24-Hour Grace
  • All day deposit
Cons:
  • Limited branches
  • Low savings APY

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

Huntington 25 Checking® - $500 Bonus


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Looking for a senior-friendly checking account? Review top recommendations in this guide, including free checking, banks offering welcome bonuses and more.
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About CreditDonkey
CreditDonkey is a credit card 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.

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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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