Here is a list of the best checking accounts in the United States as of November 2019. A checking account has a lower interest rate than savings account, but usually there is no limit to how often you can access your money via debit cards, writing checks, and withdrawals. Compare checking accounts and choose the one that meets your everyday needs. Rates are accurate as of November 1, 2019.

Simple, Online Checking Account

Simple is an online bank offering FDIC-insured accounts and Simple Visa card. The company was founded in 2009 and is headquartered in Portland, Oregon. Simple's banking services are provided by BBVA USA.

2.02% APY (under $10,000)
2.15% APY ($10,000 and above)
No minimum balance requirements
No maintenance fees, No monthly fees
Fee free transfers, Fee free card replacement
No overdraft fees
Account closing fee - $0
Mobile banking - Yes
Over 40,000 totally-free ATMs
Allpoint ATMs: $0
Other ATMs: No fee from Simple
ATM Fees (International): No fee from Simple
Banking services are provided by BBVA Compass

NCSB Premium Rewards Checking Account

NCSB Premium Rewards Checking Account is offered by North Country Savings Bank.
1.51% APY on balances from $0.01 to $25K
Monthly service fee - $0
Minimum deposit - $0
Refunds on all ATM Transactions Nationwide
Online and mobile banking

Axos Bank, Rewards Checking Account

Axos Bank, headquartered in San Diego, California, was formerly known as Bank of Internet USA.
1.25% APY for balances from $0.01 to $150K
Monthly service fee - $0
Minimum monthly balance - 0$
Overdraft fee - $0
Unlimited domestic ATM fee reimbursements
Mobile banking app - Yes

MemoryBank, EarnMore Checking Account

MemoryBank is an online banking subsidiary of Republic Bank & Trust Company.
1.15% APY on balances $0.01 - $250K
Minimum opening deposit - $50
Monthly fee - $0
Overdraft fee - $36
Mobile Banking - Yes
Third party ATM fee - $0
92,000 surcharge free ATMs with MemoryBank debit card

Consumers Credit Union, Free Rewards Checking Account

5.09% APY on balances $0.01- $10K
Nationwide checking
30K surcharge-free ATMs and 1,800 shared branches
Reimbursement for all ATM fees
Monthly maintenance fees for anything - $0
Minimum balance - $0
Mobile Banking - Yes

First Technology Federal Credit Union, Dividend Rewards Checking

2.00 % APY on balances from $0.01 to $15,000
Monthly maintenance fees - $0
Minimum balance - $0
Surcharge free access at 30K Co-op network ATMs
Online and mobile banking

Aspiration Checking Account

Aspiration Spend and Save Account (formerly Summit Checking Account) is offered by Aspiration Financial LLC, a broker dealer.
Annual Percentage Yield (APY) - 1.00%
Cash back rewards on every dollar
Monthly service fees - $0
Overdraft fee - $0
Min deposit to open - $0
ATM fees worldwide - $0
Great customer service
Debit Card Fees - 0$
Inactive Account fees - 0$
Dormant Account fees - 0$
Check Deposit fees - 0$
Mobile app - Yes
Apple Pay, Google Pay, Samsung Pay
5 free ATM withdrawals each month

Ally Bank, Interest Checking Account

0.60% APY for daily balance $15K+
0.10% APY for daily balance less $15K
Monthly fees - $0
Minimum balance - $0
Overdraft transfer service - $0
Overdraft fee - $25
44,000 free ATMs
Debit MasterCard - $0
Mobile banking - Yes

Capital One, 360 Checking Account

0.20% APY on balances $0 - $50K
0.50% APY on balances $50K- $100K
0.75% APY on balances $100K+
A fee-free online checking account
Monthly fee - $0
Minimum balance - $0
Top rated app
No hidden fees
39,000 fee free Capital One and Allpoint ATMs
Mobile Banking - Yes