ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

March 2023: 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.

Show more

our choice

APY
Up to 5.00% APY*
Monthly Fee
No
Minimum Deposit
$5.00
Online Banking
Yes
  • Earn Up to 5.00% APY* on balances up to $10,000
  • No monthly maintenance fees, for anything
  • Over 30,000 ATMs & over 5,000 shared branches
  • Unlimited reimbursement for any and all ATM fees*
  • Never a minimum balance

our choice

APY
See terms
Monthly Fee
No
Minimum Deposit
No
Online Banking
Yes
  • No monthly service fees
  • No minimum balance fees
  • No transfer fees
  • Get your paycheck up to two days early with direct deposit270
  • 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 ATMs265

our choice

APY
4.00%
Monthly Fee
$0
Minimum Deposit
No
Online Banking
Yes
  • Earn an average of $300 each year with higher APY and rewards for loan and credit card payments with First Tech Rewards Checking accounts.
  • No minimum balance requirements
  • No monthly account maintenance fees
  • Free checking
  • Deposit checks and pay bills with our free Mobile App
  • Real-time fraud monitoring
  • Secure online access
  • Free overdraft transfers from savings or line of credit

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
  • Earn 2% cash back on common everyday expenses and 1% on everything else*
  • $0 Annual Fees, $0 ATM fees, $0 Overdraft fees, and $0 Transfer fees**
  • Checking account, featuring Visa debit card, iOS and Android mobile app
  • FDIC Insured up to $250,000 through Cross River Bank, Member FDIC
  • Protected by Visa Zero Liability for signature based purchases
  • Rewards Checking customers can receive discounts on loans and cards through Upgrade***

our choice

APY
0.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
  • You can earn up to $300275 when you join PSECU and meet promo requirements.
  • No fees to open or maintain your account, plus no minimum balance requirements.
  • No-Fee Overdraft Protection Transfer Service.
  • Wherever you go, you’re likely close to one of the 70,000+ surcharge-free ATMs in our network.
  • Free basic-style checks.
  • 24/7 access with digital banking services.

our choice

APY
See terms
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
  • Earn $150 when you open a Live Oak small business checking account between 2/15/2023 and 3/31/2023**
  • Human-powered support
  • Open an account online in minutes
  • Access over 55,000 free in-network ATMs
  • No account opening or monthly maintenance fees
  • Deposit checks, pay bills, initiate transfers completely online
  • Available to businesses nationwide
  • **Click to read the full Terms

our choice

APY
Up to 2.02%
Monthly Fee
$0 or $4 per month if not enrolled in electronic statements
Minimum Deposit
$100
Online Banking
Yes
  • Earn our highest yielding checking interest rate**
  • Automatic ATM refunds $25 dollars per month
  • No minimum balance
  • Debit card included
  • Free Digital Banking, Mobile Deposit, ePay, Online Bill Pay and more!
  • Transfer money electronically to or from your account – anytime, online
Apply for Current - Credit-Land.com

Rating 3.6

APPLY NOW

our choice

APY
N/A
Monthly Fee
$4.99
Minimum Deposit
$0
Online Banking
Yes
  • Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.
  • Current offers accounts for everyone, including teens.
  • Members receive instant spending notifications every time you swipe your card for added security.
  • Members can instantly send money for free to friends and family with Current Pay.
  • Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.

our choice

APY
See terms
Monthly Fee
$25 Waivable fee
Minimum Deposit
$25
Online Banking
Yes
  • Get a $350 bonus when you open a new Premier account and have a cumulative total of $7,500 in qualifying direct deposits in the first 90 days
  • They'll rebate ATM surcharge fees charged by other banks, up to $25 per monthly statement period
  • Unlimited transactions at Non-BMO Harris ATMs with no fee from BMO Harris
  • Enjoy peace of mind with access to Mastercard ID Theft Protection™ on your BMO Harris Bank Debit Mastercard®
  • Earn interest on your checking balance
  • Relationship Package benefits that provide more rewards the deeper your relationship with the bank.
  • 40,000+ fee-free ATMs across the U.S.
  • Transfer money from anywhere, the fast way
  • Account protection for added peace of mind
  • Accounts are subject to approval. BMO Harris Bank N.A. Member FDIC

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
  • No minimum balance requirement
  • No monthly fees when you sign up for free Online Statements
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Unlimited check writing
  • Convenient and free deposits at FNB branches, ATMS or through Mobile Banking
  • Fast and free Online Banking, Mobile Banking and Telephone Banking

our choice

APY
See terms
Monthly Fee
$5 or $0 if you’re under 25
Minimum Deposit
$25
Online Banking
Yes
  • Get a $200 bonus when you open a new Smart Advantage account or Smart Money account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
  • 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. BMO Harris Bank N.A. Member FDIC

our choice

APY
See terms
Monthly Fee
$0
Minimum Deposit
$25
Online Banking
Yes
  • Get a $200 bonus when you open a new Smart Advantage account or Smart Money account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
  • $0 Monthly maintenance fee5
  • 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. BMO Harris Bank N.A. Member FDIC

our choice

APY
N/A
Monthly Fee
$9.99 or $19.99227
Minimum Deposit
$0
Online Banking
Yes
  • B9 Visa® Debit Card- the ONLY debit card with up to 5% cashback in available categories.
  • Cashback is accumulated when using the B9 debit card for selected categories.
  • Selected categories will each have their own cashback percentage and will change monthly to reflect the highest-yielding cashback option for our members that month!
  • Deposit funds from your paycheck to your B9 account and get early access up to 100% of your earnings for the last 15 days.226
  • No-Fee Instant B9 Advances (up to 100%).
  • No-Fee ACH Transfers.
  • No-Fee Instant Transfers to B9 Members.
  • Credit Report, Credit Score, Credit Score Simulator

our choice

APY
Up to 1.25% APY
Monthly Fee
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
Yes
  • Use the promo code RC100 when you apply for a Rewards Checking account by 4/12/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
  • Only $50 to open an account

our choice

APY
N/A
Monthly Fee
$10
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
  • Earn interest on balances of $2,500 or greater
  • Free 3" x 5" safe box
  • Free paper and online statements
  • Free first order of checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Unlimited check writing
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
  • Fast and free Online Banking, Mobile Banking and Telephone Banking

our choice

APY
N/A
Monthly Fee
$25
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
  • Earn interest on balances $0 - $2,500
  • No overdraft fees
  • No paper checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking
  • Refunds on fees for ATM transactions at non-FNB locations, up to 4 times per statement cycle
  • Refunds on ATM fees charged by other institutions, up to $12 per statement cycle

our choice

APY
N/A
Monthly Fee
See terms
Minimum Deposit
$25 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
  • No overdraft fees
  • No paper checks
  • Free Visa® debit card with free Apple Pay®, Samsung Pay® or Google Pay™
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • Convenient and free deposits at FNB branches, ATMs or through Mobile Banking

our choice

APY
0%
Monthly Fee
$0
Minimum Deposit
$50
Online Banking
Yes
  • No monthly fees or minimum balance requirements
  • Apply in under 10 minutes
  • Simple, easy-to-use mobile apps
  • No Hidden Fees
  • Refunds all ATM fees
  • Free transfers, mailed checks, and incoming wires
  • Integrates with other small business tools

our choice

APY
Up to 1.10% APY
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
  • 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
N/A
Monthly Fee
$25
Minimum Deposit
$50 Minimum Opening Balance (Online); $0 Minimum Opening Balance (In-Branch)
Online Banking
Yes
  • Earn interest on balances of $1,000 or greater
  • Earn higher interest with higher balances
  • Free FNB custom checks
  • Unlimited check writing
  • Free stop payment requests
  • Surcharge-free cash access at nearly 900 FNB ATMs
  • No FNB fee for using non-FNB ATMs
  • Refund of up to $15/statement on ATM fees charged by other institutions
  • Waived annual fee for overdraft lines of credit
Apply for Free Checking - Credit-Land.com

Rating 4.3

APPLY NOW

This offer is only available in AZ, CA, CO, FL, GA, KS, MD, MO, NC, NM, OK, OR, SC, TN, TX, VA, WA, WV, WI.

our choice

APY
N/A
Monthly Fee
$0
Minimum Deposit
$50
Online Banking
Yes
  • No monthly fees when you enroll in paperless statements1
  • No minimum balance
  • Open with as little as $50
  • Free digital and mobile banking with alerts and bill pay
  • Deposit checks on your mobile for free
  • Free use of Zelle® to send and receive money to people you know
  • Use Digital Banking’s free Manage My Money feature to view First Citizens and non-First Citizens accounts in one place, plus you’ll have access to budgeting tools and more.
  • No-fee channel access: Users can manage account digitally, but also at branch or ATM at no charge.
  • Free debit card that users can add to their mobile device for Apple, Google or Samsung digital wallet access
  • Link Free Checking account to a First Citizens Savings or Checkline Reserve line of credit for Overdraft Protection. (a $12 transfer fee will apply each day an overdraft occurs.)
SHOW MORE CARDS

questionsABOUT BANKS
AND SERVICES

What is the best credit card for rewards?

If it is your first rewards credit card, we would recommend applying for a no annual fee credit card with a fixed cash back rate on all purchases, without any changing categories and enrolments. Cash back rewards are...

Read more
How to get the best credit card?

With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors...

Read more
Which credit card to apply for?

Choosing a credit card is true art - and at the same time it's a piece of cake. To decide which credit card to apply for, you need some analytical skills, some calculations and some simplest input data to perform the...

Read more
See all questions

NOT SURE WHICH CARD
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.

Show more

commentsABOUT
BANKS AND SERVICES🜂

must read FEATURED NEWS
AND RELATED RESEARCH

News: Getting Access to Chase Sapphire Airport Lounges - Credit-Land.com
Mar 29, 2023

Getting Access to Chase Sapphire Airport Lounges

American Express and Capital One are not the only credit card issuers with their own airport...

Priority Pass Review: Maximize Your Membership

Priority Pass Review: Maximize Your Membership

Airport lounges can be an absolute necessity when you have an 18-hour layover or a 6-hour delay....

EXPLORE
MORE CREDIT CARDS BY CATEGORIES

Cash Back
Travel
Balance Transfer
Low Interest
Fair Credit

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!