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Checking Accounts

With countless checking account options offered by every banking institution, how is one to make a choice? We scoured the internet and compiled the latest checking account rates to help you make a decision. Below is a list of the best checking account rates sorted by highest to lowest rates.

Bank Account Rates Min $ Max $
OnJuno
Metal Checking
1.20%*-$50k
Quontic Bank
High Interest Checking
1.01%*-$150k
Axos Bank
Rewards Checking - 5 Qualifications
1.00%-$50k
M1 Finance
M1 Spend Plus
1.00%--
BankMD
BankMD Military
0.60%--
My eBanc
Advantage Checking Account
0.50%--
NexBank
Platinum One Checking
0.50%--
PenFed Credit Union
Access America Checking
0.35%*$20k$50k
NASA FCU
Premier Preferred Checking Account
0.35%--
Paramount Bank (MO)
Interest Checking
0.30%*-$100k
First Internet Bank
Interest Checking
0.30%--
Rising Bank
Rising Checking
0.30%$5k$500k
Citi
Citi Elevate
0.25%*$25k-
Digital FCU (DCU)
Free Checking with Earn More
0.25%*-$100k
Northpointe Bank
Interest Checking
0.25%*$25k-
Ally Bank
Interest Checking Account
0.25%*$15k-
Alliant Credit Union
High-Rate Checking
0.25%--
Affinity FCU
MoreChecking
0.25%$1k-
Langley FCU
Platinum Checking
0.25%$10k-
Lake Michigan Credit Union
Advantage 50 Checking
0.25%--
Evansville Teachers FCU
Investor Checking
0.22%*$25k-
Amalgamated Bank
Online Checking
0.20%*$2.5k-
Premier America Credit Union
Platinum Checking
0.20%*$5k-
American Bank
American e-Checking
0.20%*--
Hyperion Bank
HyperFree Checking
0.20%$10k-
Garden Savings FCU
Senior Advantage Checkinig
0.20%$750-
Communitywide FCU
Checking Account
0.20%$1-
American Heritage FCU
Platinum Checking Account
0.16%*$25k-
Community Bank of Raymore
Wall Street Checking
0.15%*$2.5k-
MutualOne Bank
Advantage Checking
0.15%*$5k-
Kinecta FCU
Checking Plus
0.15%*$25k$1m
Susquehanna Community Bank
Eagle Advantage Account
0.15%*$25k-
Luther Burbank Savings
High-End Checking
0.15%*$25k-
Dow Chemical Employees' Credit Union
Share Draft Account
0.15%--
BankPurely
CheckingPurely
0.15%--
Service Credit Union
Dividend Checking
0.15%--
nbkc bank
Everything Account
0.15%--
Greenwood Credit Union
Greenwood Interest Checking
0.15%$1k-
iGObanking
iGOchecking
0.15%$1-
National Cooperative Bank
Impact Checking
0.15%--
FNBO Direct
Online Checking Account
0.15%-$1m
Affinity Plus FCU
Interest Reward Checking
0.13%*$200$25k
Presidential Bank (MD)
Checking PLUS
0.12%*-$25k
Third Federal Savings and Loan (OH)
High-Yield Checking
0.10%*$25k-
Capital One
360 Checking
0.10%*--
Cadets FCU
Premium Share Draft Checking
0.10%*$5k-
LendingClub
Rewards Checking
0.10%*$2.5k-
Nationwide by Axos Bank
Interest Checking
0.10%*--
Xceed Financial FCU
Signature Checking
0.10%*--
Teachers FCU
Smart Checking
0.10%*--

What to consider when opening a checking account

We have provided you a list of the best checking rates but when shopping around for a checking account, don’t just focus on getting the best interest rate. Also, consider the account’s features and service fees. We suggest online banks because they tend to require low or even zero minimum deposits.

When looking at checking accounts, look out for fees. Checking accounts are more likely to come with fees than savings accounts. These can include monthly service fees, overdraft fees, overdraft protection fees, the cost of checks and more. Be careful of monthly service fees. Always look for accounts that give you a monthly service fee waiver, otherwise those fees will erode your savings.

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