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May 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
Up to 4.09% APY*
Monthly Fee
No
Minimum Deposit
$5.00
Online Banking
Yes
  • Earn Up to 4.09% 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
Up to 1.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
  • Enjoy a $100 bonus and a sleek Metal card when you set up your first direct deposit
  • 1.20% bonus rate up to $5,000 in deposits
  • Earn 5% when you pay with cash, 10% when you pay with 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

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
$3 - $5
Minimum Deposit
$0 to open account; $5 required to start investing.
Online Banking
Yes
  • Get your personal checking, investment, and retirement accounts all in one app
  • Earn bonus investments when you shop from 12,000+ brands in our app or with our Safari and Chrome Extensions
  • Put your spare change to work with our Round-Ups®
  • A heavy metal debit card with a matte green finish and your signature custom-engraved
  • All-digital banking: direct deposit, mobile check deposit and sending, and more
  • Instantly invest spare change and save from no hidden fees with over 55,000 fee-free ATMs nationwide and around the world
  • FDIC-insured, through Lincoln Savings Bank, Member FDIC, all the way to $250,000, plus fraud protection and all-digital card lock
  • Smart Deposit built in - automatically invest money before you spend it and get paid up to 2 days early with direct deposit

our choice

APY
Up to 1.25% APY
Monthly Fee
Zero
Minimum Deposit
Only $50 to open an account
Online Banking
Yes
  • Use Promo Code "MAY150" for a $150 bonus! *Up to 1.25% APY
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Zero Minimum Balance Requirement
  • Only $50 to open an account

our choice

APY
Up to 1.20% APY
Monthly Fee
$0
Minimum Deposit
$0
Online Banking
Yes
  • Enjoy a $100 bonus and a sleek Metal card when you set up your first direct deposit
  • 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 1.20% bonus rate up to $50,000 in deposits
  • Earn 5% when you pay with cash, 10% when you pay with crypto, on total annual spends of $3,000
  • 3 free monthly withdrawal on out-of-network ATMs
  • No Fee Cash Withdrawals 85,000 Allpoint & MoneyPass® ATMs

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
$0
Minimum Deposit
$0
Online Banking
No
  • NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.
  • Earn 1% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more!
  • No credit check or US credit history required and no SSN required for non US citizens
  • Open a restricted account before you step foot in the U.S or have a U.S address.
  • Zero hidden fees—no annual fees, no additional ATM fees, no overdraft fees, no card replacement fees, and no minimum deposit.
  • Premium benefits like extended warranty where Sable will double the warranty for eligible items purchased with your Sable card, and satisfaction guarantee where Sable will cover most purchases if you become dissatisfied with a new product within 60 days of purchase, and much more!
  • Please see https://sablecard.com/tcs for terms and conditions.

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 1.01% APY
Monthly Fee
$0
Minimum Deposit
$100
Online Banking
Yes
  • Receive up to 1.01% APY
  • Open A High Interest Checking Account
  • 90,000+ ATMs Across the Nation
  • Fully Mobile & Online Banking
  • No Monthly Service Fees

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 Current - Credit-Land.com

Rating 4.2

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.
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?

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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