Best Online Checking Accounts

Here is a list of the best checking accounts in the United States. A checking account has a lower interest rate than a savings account, but 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 June 2024.

Axos Bank, Rewards Checking Account

Axos Bank, headquartered in San Diego, California, provides innovative consumer and business banking products and services nationwide. The company offers one of the best checking accounts according to Forbes, MyBankTracker and NerdWallet.

Rewards Checking Account
Up to 3.30% rewards checking APY
No minimum monthly account balance requirements
Monthly service fees: $0
Zero overdraft or NSF fees
Unlimited domestic ATM fee reimbursements
Mobile banking app: Yes
FDIC-insured for up to $250,000, per depositor
Website: www.axosbank.com

Quontic Bank, High Interest Checking Account

Quontic Bank, headquartered in New York, is a nationally recognized digital bank. It offers high interest, cash rewards and wearable checking accounts, savings products, traditional and non-traditional mortgages and other services. It's among the best online banks according to Fortune, Forbes, Bankrate and Gobankingrates.

High Interest Checking Account
1.10% APY on all balances
Minimum deposit to open: $100
No monthly service fees
No incoming wire transfer fees
No overdraft fees
Responsive U.S. based customer service team
Mastercard Zero Liability Protection for your debit card
ID theft protection
FDIC insured
90,000+ surcharge free ATMs Mobile banking app: Yes
Website: www.quontic.com

Consumers Credit Union, Free Rewards Checking Account

Consumers Credit Union, located in Gurnee, Illinois, provides one of the highest interest rates for checking accounts in the United States. Rewards Checking was named one of the best online checking accounts by WalletHub and Nerdwallet. The company also offers student choice checking account.

Free Rewards Checking Account
Up to 5.00% APY on balances $0.01- $10K
0.20% APY on balances $10k - $25k
Nationwide checking
30K+ surcharge-free ATMs and 5K+ shared branches
Unlimited reimbursement for all ATM fees
Monthly maintenance fees for anything: $0
No minimum balance requirements
Mobile Banking: Yes
Visa Debit Card
Website: www.myconsumers.org

First Tech Credit Union, Rewards Checking Account

First Technology Federal Credit Union, headquartered in San Jose, is the third largest credit union in California. With about 1,650 employees and over 660,000 members, it provides traditional banking products as well as exclusive financial services for employees of Amazon, Intel, Google, Hewlett Packard, Microsoft, Agilent, Cisco, Nike and Intuit Inc, among others.

Rewards Checking (Qualified Rate)
5% APY on balances from $0.01 to $15,000
0.10% APY for $15,000+
No minimum average daily balance to avoid fee
Min opening balance: $10
Surcharge free access at 30K Co-op network ATMs
Free Online Banking with BillPay
Free Mobile Banking with e-Deposits
Website: www.firsttechfed.com

NBKC Bank, Everything Account

NBKC Bank is an award-winning online bank headquartered in Overland Park, Kansas. The bank is a subsidiary of Ameri-National Corporation. The everything account is a hybrid of checking and savings with no monthly and overdraft fees and no minimum balance requirements.

Everything Account
1.75% APY on all balances
Interest rate: 1.73%
Min balance to obtain APY: $0.01
Min opening Deposit: $0
Access to 37,000+ ATMs
Free ATMs with MoneyPass
Mobile & Online Banking
4.9 out of 5 average customer rating
Website: www.nbkc.com

Discover Bank, Free Checking Account - No Fee Cashback Debit

Discover Bank, member FDIC, is an online bank offering checking and savings accounts; personal, home equity and student loans, debit and credit cards and other services.

Free Checking Account
1% cash back on up to $3,000 in debit card purchases each month
60,000+ no-fee ATMs in the U.S.
Fee-free overdraft protection transfer service
Get paid up to 2 days early with Direct Deposit
Send and receive money with Zelle
Free help removing your personal info from select people-search websites
Website: www.discover.com

Ally Bank Spending Account

Ally Bank is a leading digital bank based in Sandy, Utah. As of December 2023, it employed over 9,800 people and had $186 billion in assets, $138 billion in loans and $159 billion in deposits.

Online Checking Account for Essential Spending
0.25% APY for daily balance $15K+
0.10% APY for daily balance less $15K
Monthly service fee: $0
Minimum opening deposit: $0
No minimum balance requirements
Overdraft item fees: $0
43,000 no-fee Allpoint ATMs
Debit MasterCard
Website: www.ally.com

Capital One, No-Fee 360 Checking Account

Capital One offers a fee-free online checking account with no minimum balance requirements. The Capital One mobile app has a 4.5/5-star customer rating on Google Play and a 4.8/5-star rating on the App Store.

No-Fee 360 Checking Account
0.10% APY on all balances
No monthly or maintenance fees
Minimum deposit to open: $0
No hidden fees
70,000+ fee-free Capital One, MoneyPass and Allpoint ATMs
Top rated mobile app
Debit Mastercard
Website: www.capitalone.com