Here is our monthly ranking of the best checking accounts nationwide as of August 5, 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.

Aspiration Financial, High Yield Checking account

Spend and Save Account (formerly Summit Checking Account)
Annual Percentage Yield (APY) - 2.00%
Monthly service fees - $0
Overdraft fee - $0
Min deposit to open - $10
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

Simple, Online Checking Account

(Banking services are provided by BBVA Compass)
No minimum balance requirements
No maintenance fees
No monthly fees
Fee free transfers
Fee free card replacement
Overdraft fee - 0$
Account closing fee - $0
Mobile banking - Yes
FDIC-insured
Over 40,000 totally-free ATMs
Allpoint ATMs: $0
Other ATMs: No fee from Simple
ATM Fees (International): No fee from Simple
Savings Goal with daily balance $2K+ earn 2.02% APY

MemoryBank, EarnMore Checking Account

APY - 1.60% 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

North Country Savings Bank, NCSB Rewards Checking Accounts

NCSB Premium Rewards Checking
APY - 1.51% on balances from $0.01 to $25K
Monthly service fee - $0
Minimum deposit - $0
Refunds on all ATM Transactions Nationwide

NCSB CashBack Rewards Checking

Cashback on all purchases
Monthly fee - $0
Minimum Balance - $0
Refunds on all ATM Transactions
Online and mobile banking

Axos Bank, Rewards Checking

(formerly known as Bank of Internet)
APY - 1.25% 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

Consumers Credit Union, Free Rewards Checking

Nationwide checking
30K surcharge-free ATMs and 1,800 shared branches
Annual Percentage Yield (APY) - 3.09% on balances $0.01- $10K
Reimbursement for all ATM fees
Monthly maintenance fees for anything - $0
Minimum balance - $0
Mobile Banking - Yes

First Tech Credit Union, Dividend Rewards Checking

APY - 2 % 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

Ally Bank, Interest Checking account

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

Capital One, 360 checking account

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
APY - 0.20% on balances $0 - $50K
APY - 0.75% on balances $50K- $100K
APY - 1.00% on balances $100K+
Mobile Banking - Yes

Customers Bank, Free Checking account

Monthly fee - $0
Minimum to open - $10
Per check charges - $0
Mobile Banking app – Yes
Availability - In Branch or Online