Here is a list of the best checking accounts in the United States. 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 January 21, 2020.

Simple, Free Online Checking Account

Simple is an online bank offering FDIC-insured high-yield checking accounts (online checking or shared checking) and Simple Visa Debit cards. The company was founded in 2009 and is headquartered in Portland, Oregon. Simple's banking services are provided by BBVA USA.

1.90% APY ($10,000 and above)
1.75% APY (under $10,000)
No minimum balance requirements
No maintenance fees, No monthly fees
Fee free transfers, Fee free card replacement
No overdraft fees
Account closing fee - $0
Over 40,000 totally-free ATMs
Allpoint ATMs: $0
Other ATMs: No fee from Simple
ATM Fees (International): No fee from Simple
Mobile banking - Yes

NCSB Premium Rewards Checking Account

NCSB Premium Rewards Checking Account is offered by North Country Savings Bank. The company also provides student checking accounts for university students.

1.41% 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, a Member of FDIC, is an online banking subsidiary of Republic Bank & Trust Company. It has the highest A+ rating from the Better Business Bureau.

0.90% 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
MemoryBank MasterCard debit card

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. It was awarded as Best Online Checking account by WalletHub Nerdwallet. The company also offers student choice checking account.

5.09% APY on balances $0.01- $10K
Nationwide checking
30K surcharge-free ATMs and 5,000 shared branches
Reimbursement for all ATM fees
Monthly maintenance fees for anything - $0
No minimum balance
Mobile Banking – Yes
Visa Debit Card

First Tech Federal Credit Union, Dividend Rewards Checking

First Technology Federal Credit, headquartered in San Jose, California, is the sixth largest credit union in the United States, with 1,530 employees and over 598,000 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.

Dividend Rewards Checking Account
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 Spend & Save Account

Aspiration, based in Marina del Rey, California, is a digital bank and fintech startup offering a high-yield checking account (spend & save account formerly known as summit checking account) with APY of 1.00%.

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$
Apple Pay, Google Pay, Samsung Pay
Mobile app - Yes

Ally Bank Interest Checking Account

Ally Bank, an online bank based in Utah, employs 7,700 people and has about $170 billion in assets.

0.50% 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, No-Fee 360 Checking Account

Capital One offers a fee-free online checking account with no minimum balance requirements.

0.20% APY on all balances
Monthly fee - $0
Minimum balance - $0
No hidden fees
39,000 fee free Capital One and Allpoint ATMs
Top rated app
Mobile Banking - Yes