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December 2022: 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
1.50%
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
Up to 1.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
  • Earn $10 on your first crypto trade or deposit, minimum of $50.
  • Earn $50 back when you set up your first qualifying direct deposit of $250+.
  • Earn $10 when you refer a friend to Juno and they fund their Juno wallet with a minimum of $50.
  • 1.20% bonus rate up to $5,000 in deposits
  • Earn 5% when you pay with cash and crypto, on total annual spends of $500
  • 1 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals. 85,000 Allpoint & MoneyPass® ATMs
  • Earn loyalty tokens “JCOIN” when you complete certain actions with Juno. These loyalty tokens are redeemable inside the app for exclusive merchant discounts, cashback boosts, and to waive crypto trading fees.
Apply for Current - Credit-Land.com

Rating 3.6

APPLY

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
Apply for B9 Account<sup>℠</sup> - Credit-Land.com

Rating 3.5

APPLY

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 code HOLIDAY and apply by December 31st to earn a $150 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
Up to 2.15% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
  • Earn $10 on your first crypto trade or deposit, minimum of $50.
  • Earn $50 back when you set up your first qualifying direct deposit of $250+.
  • Earn $10 when you refer a friend to Juno and they fund their Juno wallet with a minimum of $50.
  • There are no additional fees for the Metal Plan. Just a direct deposit of $500 or more per month
  • The Priority access users get a 2.15% bonus rate up to $100,000 in deposits
  • Earn 5% when you pay with cash and crypto, on total annual spends of $6,000
  • 3 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals 85,000 Allpoint & MoneyPass® ATMs
  • Earn loyalty tokens “JCOIN” when you complete certain actions with Juno. These loyalty tokens are redeemable inside the app for exclusive merchant discounts, cashback boosts, and to waive crypto trading fees.

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

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.)
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TO CHOOSE?

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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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BANKS AND SERVICES🜂

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