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July 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
$25
Online Banking
Yes
Insurance
FDIC
  • Earn a $350 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within 90 days of opening
  • $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 Bank N.A. Member FDIC

our choice

APY
See terms
Monthly Fee
$25*
Minimum Deposit
$25
Online Banking
Yes
Insurance
FDIC
  • Earn a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within 90 days of opening
  • They'll rebate ATM surcharge fees charged by other banks, up to $25 per monthly statement period
  • Unlimited transactions at Non-BMO ATMs with no fee from BMO
  • Enjoy peace of mind with access to Mastercard ID Theft ProtectionTM on your BMO 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 Bank N.A. 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
No
Monthly Fee
$12
Minimum Deposit
$50
Online Banking
Yes
Insurance
FDIC
  • For a limited time: Earn $400 with Truist One Checking. Terms apply.298
  • No overdraft fees.
  • $100 Negative Balance Buffer for eligible clients.299
  • There are five 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

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
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
See terms
Monthly Fee
$5 or $0 if you’re under 25
Minimum Deposit
$25
Online Banking
Yes
Insurance
FDIC
  • Earn a $350 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within 90 days of opening
  • 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 Bank N.A. Member FDIC

our choice

APY
0.01%*
Monthly Fee
$35 Monthly Service Fee
Minimum Deposit
$0
Online Banking
No
Insurance
FDIC
  • You're eligible for up to a $3,000 bonus when you open a new Chase Private Client CheckingSM account with qualifying activities.
  • Speak with a Private Client Banker to open your Chase Private Client CheckingSM account today. Schedule your meeting at your nearest branch or over the phone.
  • Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
  • Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
  • No ATM fees worldwide.
  • No Chase fee on incoming or outgoing wire transfers.
  • Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDepositSM limits.
  • Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.

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.
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.

our choice

APY
See terms
Monthly Fee
No
Minimum Deposit
No
Online Banking
Yes
Insurance
FDIC
  • $250 cash bonus for $2,000 or more in Direct Deposits within 90 days
  • No hidden fees and No minimum balance
  • Extra Time® to avoid overdraft fees
  • Peace of mind with fraud protection
  • Access to your eligible payroll direct deposits up to 2 days early with free Early Pay
  • Get a cash advance on your next qualified deposit with MyAdvance®
  • Open a new account in minutes

our choice

APY
N/A
Monthly Fee
$4.95 Monthly Service Fee
Minimum Deposit
$0
Online Banking
No
Insurance
FDIC
  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure BankingSM account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure BankingSM customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure BankingSM allows you to spend only the money you have available.
  • Chase Secure BankingSM customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure BankingSM account.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
  • JPMorgan Chase 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
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.

our choice

APY
5.0%
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
N/A
Monthly Fee
$6 Monthly Service Fee
Minimum Deposit
$0
Online Banking
Yes
Insurance
FDIC
  • Enjoy $100 as a new Chase checking customer when you open a Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment.
  • No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
  • Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
  • Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
  • Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
  • JPMorgan Chase Bank, N.A. Member FDIC

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
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
Yes
Insurance
FDIC
  • Cash in on up to a $500 bonus and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.
  • Build your own APY with up to 3.30% APY
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit

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
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
0.10% - 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
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
Up to 5.00% APY*
Monthly Fee
No
Minimum Deposit
$5.00
Online Banking
Yes
Insurance
FDIC
  • 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
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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...

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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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