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May 2025: 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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Apply for Truist One Checking - Credit-Land.com 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

Rating 4.5

  • 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

Earn
$400
with Qualifying Activities
Bonus:
New checking clients can earn $400 with qualifying activities. Terms apply.298
Minimum Deposit:
$50
Monthly Fee:
$12
$100
Negative Balance Buffer for Eligible Clients
Online Banking:
Yes
Online Opening:
Yes
Insurance:
FDIC

our choice

Rating 4.9

  • 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

Earn
1%
Cash Back
Rewards on Everyday Purchases:
1% Cash back on Debit Card purchases with qualifying activity. See website for details
Minimum Deposit:
$0
Monthly Fee:
$0
$0
Monthly Fees
Monthly Fee:
$0
Overdraft Fee:
No
ATM Fee:
$0
Mobile App with Zelle®
Convenience:
Just a quick touch, tap or click and your purchase is complete.µ
Access:
See terms
Insurance:
FDIC

our choice

Rating 4.9

  • 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

$0
Monthly Fees
Monthly Fee:
$0
Overdraft Fee:
No
ATM Fee:
Up to $15 - $30 a month in ATM surcharge and foreign transaction fee rebates
Digital Wallet
and Smartwatch Payments
Online Banking:
Ease of online banking with mobile bill pay and remote check deposit338
Digital Wallet and Smartwatch Payments:
Add your Service CU credit or debit card to your digital wallet for an easier way to pay. You can even add your info before your card arrives in the mail!µ
International Bill Pay:
Use International Bill Pay to pay foreign bills in local currencies all over the world.µ
Visa Debit Card
Convenience:
Easily make purchases directly from your checking account.µ
Protection:
Set spending limits and protect against fraud right from your mobile app.µ
Insurance:
NCUA

our choice

Rating 4.7

  • 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 50,000+ 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

$0
Monthly Fees
Monthly Fee:
$0
Minimum Balance Fee:
$0
Transfer Fee:
$0
50,000+
ATMs Access
ATM Access:
Withdraw cash at more than 50,000+ fee-free ATMs.~
ATM Fee:
$0
Monthly Fee:
$0
24/7
Live Support,
with a Real Human
Online Banking:
Yes
Customer Support:
24/7 live support, with a real humanµ
Insurance:
FDIC

our choice

Rating 4.6

  • $400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC
  • $0 monthly fees 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

our choice

Earn
$400
Cash Bonus
Bonus:
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25.
Rewards:
N/A
Monthly Fee:
$0
$0
Monthly Fees
Monthly Fee:
$0
Overdraft Fee:
Yes
ATM Fee:
$0
40,000+
Fee-Free ATMs
ATM Fee:
$0
Zelle Payments:
Yes
Insurance:
FDIC

our choice

Rating 4.7

  • Earn up to 8.00% APY on balances up to $15,000 for the first three months and up to 4.00% APY after that*
  • Free Checking account, no monthly fees or minimum balance requirements
  • Top 100 credit union, serving over 350,000 members nationwide
  • Get your paycheck up to 2 days early*
  • Access to over 100,000 ATMs nationwide
  • Top-rated Mobile app with Zelle®, mobile check deposit, and more
  • NCUA Insured
  • *For additional information and disclosure, visit the BCU website

our choice

Earn Up to
8.00%
APY
APY:
Up to 8.00% APY on balances up to $15,000 for the first three months and up to 4.00% APY after that*
Monthly Fee:
No monthly fees
Minimum Deposit:
No minimum deposit
100,000+
ATMs Access
ATM Access:
Access to over 100,000 ATMs nationwide
ATM Fee:
See Terms
Monthly Fee:
No monthly fees
Mobile App with Zelle®
Zelle Payments:
Yes
Online Banking:
Yes
Insurance:
NCUA

our choice

Rating 4.7

  • $400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by 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 more7
  • 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

Earn
$400
Cash Bonus
Bonus:
$400 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25.
Rewards:
No
Monthly Fee:
$5 or $0 if you’re under 25
40,000+
Fee-Free ATMs
ATM Fee:
$0
Zelle Payments:
Yes
Insurance:
FDIC
$0
Overdraft Fee
Overdraft Fee:
$0
Online Banking:
Yes
Minimum Deposit:
$25

our choice

Rating 4.5

  • 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

Earn Up to
1.10%
APY
APY:
Up to 1.10% APY
Monthly Fee:
$0
Minimum Deposit:
$100
90,000+
ATMs Access
ATM Access:
90,000+ surcharge free ATMsµ
ATM Fee:
$0
Monthly Fee:
$0
MasterCard® Zero Liability
Protection:
MasterCard® Zero Liability and ID Theft Protectionµ
Insurance:
FDIC
Online Banking:
Yes

our choice

Rating 4.8

  • 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

$0
Monthly Fees
Monthly Fee:
$0
Overdraft Fee:
No
ATM Fee:
$0
90,000+
ATMs Access
ATM Access:
90,000+ surcharge free ATMsµ
ATM Fee:
$0
Monthly Fee:
$0
MasterCard® Zero Liability
Protection:
MasterCard® Zero Liability and ID Theft Protection
Insurance:
FDIC
Online Banking:
Yes

our choice

Rating 4.9

  • 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

Earn Up to
0.25%
APY
APY:
0.10% - 0.25%
Monthly Fee:
$0
Minimum Deposit:
$100
$0
Monthly Fees
Monthly Fee:
$0
Overdraft Fee:
No
ATM Fee:
$0
Mobile App with Zelle®
Convenience:
Enjoy the convenience of having access to your accounts and account information with online banking.µ
Access:
24/7 account access online and mobile, plus an automated telephone system.µ
Insurance:
FDIC

our choice

Rating 4.5

  • 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

Earn Up to
5.00%
APY
APY:
5.00%
Monthly Fee:
No
Minimum Deposit:
$0
$0
Monthly Fees
Monthly Fee:
No
Overdraft Fee:
No
ATM Fee:
$0
Zelle® Integration
Zelle Payments:
A fast, safe and easy way to send and receive money.µ
Online Banking:
Yes
Insurance:
FDIC

our choice

Rating 4.2

  • See low fee checking accounts.
  • FDIC or NCUA insured.
  • Compare checking account offers. Apply in minutes!
  • Earn up to 5.00% APY (Annual Percentage Yield).

our choice

Earn Up to
5.00%
APY
APY:
up to 5.00%
Monthly Fee:
$0
Minimum Deposit:
$0
$0
Monthly Fees
Monthly Fee:
$0
Overdraft Fee:
No
ATM Fee:
$0

our choice

Rating 4.9

  • 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

Earn
0.50%
APY
APY:
0.50%
Monthly Fee:
No
Minimum Deposit:
See terms
$0
Monthly Fees
Monthly Fee:
No
Overdraft Fee:
No
ATM Fee:
No
FDIC-Insured Account
Online Banking:
Yes
Protection:
See terms
Insurance:
FDIC

our choice

Rating 4.4

  • 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

Earn
3.00%
APY
APY:
3.00%
Monthly Fee:
No
Minimum Deposit:
$0
55,000+
ATMs Access
ATM Access:
55,000+ Free AllPoint ATMs.
ATM Fee:
$0
Monthly Fee:
No
Zelle® Integration
Online Banking:
Yes
Zelle Payments:
Yes
Insurance:
FDIC
SHOW MORE OFFERS

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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