Banking » Compare Banks » Compare Checking Accounts
Advertiser Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Compare The Best Checking Accounts of 2023

Manage your money as YOU want. Compare account features, fees, promotions and more to find the perfect account with The Smart Investor's easy-to-use checking account comparison tool

We earn a commission from our partner links on this page. This may impact how and where products appear on this site (including, for example, the order in which they appear). We do not compare all providers in the market. Any information provided can be updated and may include additional terms. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

LendingClub Checking
No monthly fees
Up to 0.15% APY on balance
Early direct deposit
Amex Rewards Checking
No Monthly Fees
1.00% APY on checking balance
Must have Amex card to apply
Axos Essentials Checking
No monthly fees
$50 minimum deposit
Unlimited domestic ATM fee reimbursements
Schwab Investor Checking
No monthly fees
0.45% APY on balance
Access to a Brokerage Account
Upgrade Rewards Checking
No monthly fees
$400 promotion (terms apply)
No minimum deposit
Current
Early direct deposit
Fee-free overdraft
No monthly fees
Varo Online Checking
No monthly fees
Online only
No minimum deposit
SoFi Checking
2.50% APY on balance
$50-$250 promotion (terms apply)
No monthly fees
CIT Bank Checking
0.10% - 0.25% APY on balance
No monthly fees
Up to $30 ATM fees reimbursment
Capital One 360 Checking
0.10% APY on balance
$50 minimum deposit
No monthly fees
Axos Rewards Checking
Promotion:
$100 Use Promo Code "RC100" for a $100 bonus when you apply for a Rewards Checking account
No monthly fees
APY on balance:
Up to 3.30% APY to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).
Quontic Interest Checking
Up to 1.10% APY on balance
No monthly fees
$100 minimum deposit
Chase Total Checking®
Promotion:
$200 $200. Expired on 3/31/2023
16,000 ATMs and over 4,700 branches
Monthly fee:
$12 Can be waived if you maintain a $1,000 minimum daily balance, making direct deposits or Associated SnapDeposits of $500 or more per statement cycle, or holding $2,500 in combined deposit accounts with the same statement cycle date or having a Health Savings Account or investment account
Ally Interest Checking
0.25% APY on balance
No monthly fees
Online only
Chase Secure Banking
Promotion:
$100 $100
No minimum deposit / overdraft fees
$4.95 monthly service fee