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December 2024: Best Checking Accounts from Our Partners

Checking accounts are bank accounts for everyday expenses. They let you easily access your cash. You may want to have a checking account to pay your bills, make debit card purchases, or write checks. This type of bank accounts is great for everyday spending. Checking accounts are offered by banks, credit unions, and online-only banks. There are low-fee or free checking accounts that require low or no opening balance. Review the offers below to find a checking account that is good for your needs.

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our choice

APY
See terms
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • 1% Cash back on Debit Card purchases with qualifying activity. See website for details
  • No minimum opening deposit and no minimum balance
  • Early paycheck access; up to 2 days early
  • Fee free overdraft protection
  • No fees
  • eWallet compatible (Apple, Google, Samsung)
  • Large ATM network
  • Mobile check deposit
  • Online bill pay
  • Peer-to-peer payments via Zelle.
  • FDIC Insured

our choice

APY
See terms
Monthly Fee
$0
Minimum Deposit
$25
Online Banking
Yes
Insurance
FDIC
  • $300 Cash Bonus when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. Conditions Apply. BMO Bank N.A. Member FDIC
  • $0 Monthly maintenance fee with paperless statements5
  • Access to 40,000+ fee-free ATMs across the U.S., nearly as many as the three largest banks combined
  • Banking at your fingertips with BMO Digital Banking – pay bills, transfer money and more
  • Personalized support through online chat, phone and in branch
  • Bank from anywhere with mobile check deposit4
  • Leave your debit card at home with Mobile Cash2
  • Manage all your accounts securely3
  • Accounts are subject to approval and available in the United States by BMO Bank N.A. Member FDIC
Apply for Key Smart Checking<sup>®</sup> - Credit-Land.com

Rating 4.9

APPLY NOW

This offer is only available in AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA.

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$10
Online Banking
Yes
Insurance
See terms
  • Earn $300* after qualified activities until 12.13.24 with the no-monthly-maintenance-fee Key Smart Checking®.
  • Earn better interest rates on savings and money market accounts, more cash back, loan discounts and more with KeyBank's Relationship Benefits.
  • Get paid up to two days early with eligible direct deposits to a KeyBank account.
  • Use EasyUp to build up savings or pay down debt without even thinking about it.
  • If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
  • Set custom account alerts so you can receive text or email updates about the account information that's important to you.
  • Deposit checks in the mobile app, pay bills, send money, lock/unlock cards and more.
  • Visit them at any of their convenient branches and 40,000 KeyBank ATMs and Allpoint ATMs nationwide. $0 KeyBank and Allpoint® ATM access nationwide with your KeyBank Debit Mastercard®.
  • Enjoy chip security, Tap & Go technology and all benefits of Mastercard.
  • Link your checking account to an eligible credit or savings account to automatically cover overdrafts without a transfer fee.
  • Sign on to online or mobile banking to have your paychecks or other recurring payments automatically deposited to your Key account quickly and securely.
  • KeyBank Member FDIC.
Apply for Truist One Checking - Credit-Land.com

Rating 4.5

APPLY NOW

This offer is only available in AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC.

our choice

APY
N/A
Monthly Fee
$12
Minimum Deposit
$50
Online Banking
Yes
Insurance
FDIC
  • New checking clients can earn $400 with qualifying activities. Terms apply.298
  • No overdraft fees.
  • $100 Negative Balance Buffer for eligible clients.299
  • There are different ways to waive the $12 monthly maintenance fee.300
  • Personal debit card.
  • $25 annual fee discount on any size safe deposit box, subject to availability.
  • Five benefit levels give you more perks as your balances grow.301
  • Truist Bank, Member FDIC

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • Up to 2% cash back on debit purchases1
  • No monthly fees2
  • Get paid up to 2 days early3
  • Maximize your rewards with direct deposit4

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • No monthly fees.
  • No minimum balance fees.
  • No transfer fees.
  • Get your paycheck up to 2 days early^ with direct deposit.
  • After you sign up, get a Chime Visa® Debit Card and use it anywhere Visa® debit cards are accepted.
  • Customizable debit card security.
  • Withdraw cash at more than 60,000+ fee-free ATMs.~
  • Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
  • ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
  • ~Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

our choice

APY
See terms
Monthly Fee
$5 or $0 if you’re under 25
Minimum Deposit
$25
Online Banking
Yes
Insurance
FDIC
  • $300 Cash Bonus when you have $4,000 in direct deposits within 90 days of opening between 11/1/24 – 2/3/25. Conditions Apply. BMO Bank N.A. Member FDIC
  • No overdraft or NSF fees for added peace of mind6
  • Access to 40,000+ fee-free ATMs across the U.S., nearly as many as the three largest banks combined
  • Banking at your fingertips with BMO Digital Banking – pay bills, transfer money and more
  • Personalized support through online chat, phone and in branch
  • Accounts are subject to approval and available in the United States by BMO Bank N.A. Member FDIC

our choice

APY
Up to 1.10% APY
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
Insurance
FDIC
  • Earn 1.10% APY on all balances
  • Open an account online in just 3 minutes
  • No monthly maintenance fees or minimums
  • $100 minimum deposit required to open an account

our choice

APY
See Terms
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
Insurance
FDIC
  • The first checking account that comes with a free Quontic Pay Ring
  • No monthly fees, no overdraft fees, no foreign collection fees
  • $100 minimum opening deposit
  • No ongoing account minimum
  • FDIC insured to the maximum legal limit
  • MasterCard® Zero Liability and ID Theft Protection

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • Earn $150 when you receive a qualifying direct deposit and use your Albert debit card.
  • Advance up to $250 from your next paycheck.
  • Earn up to 20% cash back when you buy gas, groceries, and more with your Albert debit card.
  • Access your paycheck up to 2 days early with direct deposit.
  • No hidden fees ($0 minimum balance and $0 maintenance fees).
  • Genius subscribers can withdraw cash fee-free at 55,000+ ATMs.

our choice

APY
See Terms
Monthly Fee
$0
Minimum Deposit
See Terms
Online Banking
Yes
Insurance
NCUA
  • Three levels of benefits: Basic, Direct Deposit and Direct Deposit+
  • Rewards on debit card purchases
  • Ease of online banking with mobile bill pay and remote check deposit338
  • Digital Wallet and Smartwatch Paymants
  • International Bill Pay
  • Share Transfer Overdraft Protection
  • My Cards card management system
  • Visa Debit Card

our choice

APY
0.10% - 0.25%
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
Insurance
FDIC
  • CIT Bank eChecking has an annual percentage yield of up to 0.25%294, which is higher than the national average interest rate on savings accounts
  • $0 monthly fee
  • $100 minimum deposit
  • CIT Bank does not charge ATM fees. Get up to $30 in other bank’s ATM fees reimbursed per month
  • Pay your bills to practically anyone in the United States through CIT Bank
  • FDIC insured

our choice

APY
5.00%
Monthly Fee
No
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • Earn 5.00% APY on the first $50k in your Free Checking account with a requirement of $2,000 a month in direct deposits.*
  • Unlimited Goals accounts that earn 3.00% APY across all balances (no direct deposit required for this).
  • No minimum balance. No fees, this is a truly FREE account.
  • Early paycheck (up to 2 days early).
  • Round-Up feature into your specific Goals account when using your mphCard (Debit Card) for everyday purchases.
  • Tap-and-Go mphCard (Debit Card).
  • Bill Pay, Zelle and Online Subscription Management.
  • ApplePay, Google Pay and Samsung Pay.

our choice

APY
up to 4.50%
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC or NCUA
  • See low fee checking accounts.
  • FDIC or NCUA insured.
  • Compare checking account offers. Apply in minutes!
  • Earn up to 4.50% APY (Annual Percentage Yield).

our choice

APY
0.50%
Monthly Fee
No
Minimum Deposit
See terms
Online Banking
Yes
Insurance
FDIC
  • Earn 0.50% APY with an average daily balance of $10,000
  • No minimum balance, no monthly service fee
  • Unlimited transactions
  • Balance optimizer
  • Cash flow analysis
  • Dedicated customer success specialists
  • Member FDIC

our choice

APY
3.00%
Monthly Fee
No
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • 3.00%APY342 rate from the Goals account.
  • No minimum balance, no monthly fees.
  • Get paid up to two days early.343
  • Access Zelle® right from the app.344
  • 55,000+ Free AllPoint ATMs.
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questionsABOUT BANKS
AND SERVICES

Is it necessary to open a debit card together with a checking account?

Opening a debit card together with a checking account is not always obligatory, but it is a widespread and practical choice. A debit card provides convenient access to the funds in your checking account, allows you to...

Read more
What is the typical minimum balance requirement for a checking account?

The typical minimum balance requirement for a checking account can vary significantly based on the financial institution and the type of account you opt for. Many banks offer checking accounts with no minimum balance...

Read more
What is the primary purpose of a checking account?

A checking account is a universal financial instrument designed primarily for everyday transactions. It allows you to easily pay bills, make purchases, and withdraw cash. You can write checks, use debit cards, or set up...

Read more
See all questions

NOT SURE WHICH OFFER
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

what is A CHECKING
ACCOUNT?

Checking accounts are one of the most frequently used and important financial products. This type of bank accounts lets you easily access your money using a debit or ATM card, checks or cash withdrawals. You can use checking accounts to pay your bills and make other financial transactions.

Know the basics

Checking accounts typically come with personal checks or a debit card that will let you access your money in your account. There are not many restrictions on how often you can access your money in a month. Most checking accounts do not have rules about the number of transactions you can perform each month.

It's easy to spend money in your checking account, but it is not always free. Checking accounts may come with monthly fees, overdraft fees, and ATM fees. Oftentimes monthly fees can be avoided if you keep minimum balance or set up direct deposit. When you open a checking account, you may be required to pay an initial deposit.

Choose a checking account

Since checking accounts are often used for everyday expenses, look for a low or no fees options. Convenient ATM access and a broad ATM network is also a plus. Some checking accounts require an opening balance which you will need to pay when opening an account. If that's an issue, look for checking accounts that do not require any upfront deposit.

If you want to make some money back on your checking account, look for interest checking account or a rewards checking account. The first will allow you to earn APY and the second will allow you to earn cash back. These benefits may require you to maintain some minimum balance, so read the fine print carefully.

While you are weighing the features of checking accounts, keep an eye out for sign-up bonuses. That does not mean you should open an account simply because it has a bonus offer. Think of it as of a sweet addition that will help you decide between two similar options.

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commentsABOUT
BANKS AND SERVICES🜂

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