Checking
Compare Checking
Discover Bank
- Checking: Cashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details
- ATMs: Over 60,000 no-fee ATMs
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Our Review: 
Bank of America
- ATMs: Approximately 16,000+ ATMs
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Our Review: 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...
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 $150,000 on deposit with Chase.
- ATMs: 15,000+ Chase ATMs
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Our Review:
U.S. Bank
- Checking: Smartly Checking
- ATMs: 4,700+ U.S. Bank ATMs across the country
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Our Review:
Citibank
- ATMs: More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
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Our Review: Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?...
HSBC Bank
- Checking: Premier Checking to enjoy premium banking with both local and global benefits
- ATMs: Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
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Our Review: HSBC Bank offers a global banking account ideal for those who live and work overseas. Is it right for your needs? Read on for the pros and cons...
Bluevine
- Checking: 3.7% APY for Premier customers, 2.7% APY for Plus customers, 1.5% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard
- Monthly Fee: Standard tier: $0 per month
Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend)
Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) - APY: 3.7% APY on balances up to $3M for Premier customers; 2.7% APY on balances up to $250,000 for Plus customers; 1.5% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
- Minimum Deposit to Open: $0
- ATMs: approximately 40,000 MoneyPass ATMs
- Balance Requirement: None
- Cash Deposit Fee: $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
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Our Review:
Axos Bank
- Checking: Rewards Checking: Up to 3.30% APY
Cashback Checking: Up to 1% cashback - ATMs: approximately 91,000 partner ATMs
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Our Review:
Customers Bank
- Checking: Up to 2.00% APY. $50 to open, no balance required, no monthly fees.
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Our Review:
NBKC Bank
- Checking: 1.75% APY. $0 to open, no monthly service fees
- ATMs: 90,000+ surcharge-free ATMs worldwide
Quontic
- Checking: High Interest Checking: Up to 1.10% APY
Cash Rewards Checking: 1.00% cashback
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Our Review:
Acorns
- Checking: Yes
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Our Review:
Greenlight
- Checking: Debit card up to 5 kids. Greenlight Max and Infinity plans also earn 1% cashback on purchases
- Monthly Fee:
- Greenlight Core: $5.99 per month
- Greenlight Max: $9.98 per month
- Greenlight Infinity: $14.98 per month
- Minimum Deposit to Open: $1
- ATMs: Any ATM with a Mastercard, Visa Interlink or Maestro name or logo. But the ATM owner may charge a withdrawal fee.
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Our Review:
Bask Bank
- Checking: 1.00% APY
- ATMs: 55,000+ Allpoint® ATMs
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Our Review: 
Qapital
- Checking: Yes
SoFi
- Checking: 0.50% APY on checking balances
- ATMs: 55,000+ Allpoint ATMs
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Our Review:
CIT Bank
- Checking: eChecking: 0.25% APY with $25,000+ balance and 0.10% APY on balances under $25,000
- ATMs: No ATM fees from CIT Bank. Up to $30 in other banks' ATM fees reimbursed per month (for eChecking Account)
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Our Review:
Ally Bank
- Checking: 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
- ATMs: 75,000+ no-fee Allpoint and MoneyPass ATMs
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TIAA Bank
- Checking: Yield Pledge Checking: Up to 0.25% APY. Minimum deposit of $100. No monthly service fee.
EverBank
- Checking: 0.25% APY
- ATMs: Nearly 100,000 fee-free ATMs
LendingClub Bank
- Checking: 0.10% APY on balances $2,500 - $99,999.99; 0.15% APY for balances of $100,000 and more. 1% cash back on Qualified Purchases.
- ATMs: Unlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners.
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Our Review:
Capital One
- Checking: 0.10% APY
- ATMs: over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
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Our Review:
FDIC National Average
- Checking: 0.07%
Lili
- Checking: No monthly fees; no balance requirements; no overdraft fees; no foreign transaction fees
- Monthly Fee: $0
- APY: N/A
- ATMs: approximately 40,000 MoneyPass ATMs
- Cash Deposit Fee: Up to $4.95
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Our Review:
North One
- Checking: $0 monthly fee; no balance requirements
- APY: up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
- Minimum Deposit to Open: $50
- ATMs: 38,000+ MoneyPass ATMs
- Balance Requirement: None
- Cash Deposit Fee: up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
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Our Review:
Acorns Early
- Checking: Debit card up to 4 kids (Family Plan); 1 debit card (Individual Child)
- Monthly Fee: Individual Child - $5 per month
Family Plan - $10 per month - Minimum Deposit to Open: $5
- ATMs: No fee for either domestic (US) or international ATM use. ATM owners may charge a fee.
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Our Review:
Novo
- Checking: No monthly fees; no balance requirements
- Monthly Fee: $0
- APY: N/A
- Minimum Deposit to Open: $50 to access all Novo's features
- ATMs: up to $7 per month reimbursement of ATM fees worldwide
- Balance Requirement: None
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Our Review:
Relay
- Checking: Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
- Monthly Fee: $0
- APY: N/A
- ATMs: 55,000+ AllPoint ATMs
- Balance Requirement: None
- Cash Deposit Fee: $0 for cash deposits at Allpoint ATMs
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Our Review:
UFB Direct
- Checking: N/A
- ATMs: Free withdrawals at 91,000 ATMs across the nation
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Our Review:
BusyKid
- Checking: Up to 5 BusyKid Spend Cards per family
- Monthly Fee: $4 per month (billed annually at $48)
- Minimum Deposit to Open: $0
- ATMs: 55,000+ Allpoint ATMs; $1.50 withdrawal fee, plus ATM owners may also charge a fee.
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Our Review:
Copper
- Checking: N/A
- Monthly Fee: $0
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Our Review:
Current
- Checking: Earn up to 15x points on purchases at participating merchants
- Monthly Fee: $0
- ATMs: Free access to 40,000+ Allpoint ATMs
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Our Review:
FamZoo
- Checking: Prepaid debit cards for multiple kids
- Monthly Fee: $5.99 per month, OR
$25.99 for 6 months
$39.99 for 12 months
$59.99 for 24 months - Minimum Deposit to Open: $0
- ATMs: Any ATM, but the ATM owner may charge a fee.
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Our Review:
Found
- Checking: No required monthly fees; no minimum balance fees; no overdraft fees
- Monthly Fee: $0
- APY: N/A
- ATMs: Any ATM that accepts Mastercard; No ATM fees from Found, but owner may charge a fee
- Cash Deposit Fee: $2
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Our Review:
GO2bank
- Checking: No monthly fees with eligible direct deposit (otherwise $5 per month)
- Monthly Fee: $0/mo with eligible direct deposit (otherwise $5 per month)
- ATMs: Over 55,000 fee-free AllPoint ATMs
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Our Review:
Jassby
- Checking: Digital and physical debit cards; Supports up to 6 people per family
- Monthly Fee: $5.95 per month
- Minimum Deposit to Open: $0
- ATMs: No access to ATMs
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Our Review:
Marcus by Goldman Sachs
- Checking: N/A
- ATMs: None
Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons...
Mazoola
- Checking: Virtual debit card only for contactless payments with Apple Pay or Google Pay
- Monthly Fee: $0
- ATMs: No access to ATMs
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Our Review:
Till
- Checking: No monthly fees; Supports multiple kids per family
- Monthly Fee: $0
- ATMs: Any ATM, but the ATM owner may charge a fee
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Our Review:
Varo Bank
- Checking: No monthly service fee; no minimum balance; no overdraft fees
- Monthly Fee: $0
- ATMs: over 40,000 fee-free AllPoint ATMs
Western Alliance Bank
- Checking: N/A
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Our Review:
Digit
- Checking: No
Rize
- Checking: No
Wells Fargo
- Checking: Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
- ATMs: 11,000+ ATMs across the country
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Our Review:
PNC Bank
- Checking:
- Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old.
- Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits.
- Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments.
- ATMs: approximately 60,000 PNC and partner ATMs
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Our Review:
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: 2,100+ Fifth Third ATMs plus 40,000+ fee-free ATMs nationwide
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Our Review:
Betterment
- Checking: No-Fee Checking
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Our Review:
Huntington Bank
- Checking:
- Asterisk-Free Checking: No minimum balance and no monthly maintenance fees
- Huntington Perks Checking: 5 non-Huntington ATM withdrawals per month
- Huntington Platinum Perks Checking: Unlimited non-Huntington ATM withdrawals
- ATMs: over 1,800 ATMs
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Our Review:
Chime
- Checking: No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
- Monthly Fee: $0
- ATMs: Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
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Our Review:
Mercury
- Checking: No monthly fees; no balance requirements
- Monthly Fee: $0
- APY: N/A
- ATMs: 55,000+ Allpoint ATMs
- Balance Requirement: None
Navy Federal Credit Union
- Checking: Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
- ATMs: Over 1.7 million Navy Federal and CO-OP Network ATMs
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Our Review:
USAA Bank
- Checking: Classic Checking, Youth Spending
- ATMs: 100,000+ USAA and USAA-preferred ATMs
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Our Review:
BMO
- Checking: Smart Advantage, Smart Money, Relationship
- ATMs: 40,000+ BMO and Allpoint ATMs
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Our Review:
TD Bank
- Checking: TD Complete Checking, TD Beyond Checking, TD Essential Banking
- ATMs: 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
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Our Review:
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