Best checking accounts of 2019

Our top picks for high rates, minimal fees, ATM access and more.

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How we chose the best accounts

Checking accounts are among the most ubiquitous bank accounts on the market. And with so many options, we assessed the competition by comparing strengths and drawbacks specific to checking accounts. We compared accounts and providers by account minimums, interest rates, account fees, ATM access and sign-up bonuses.

Finding a checking account that fits your lifestyle all comes down to comparing features that matter the most.

Best high-yield checking account

Consumers Credit Union Rewards Checking

Earn up to 5.09% APY on balances under $10,000.

The Consumer Credit Union Rewards Checking account offers some of the highest rate tiers around. But its top APY is only accessible by meeting strict interest requirements.

If you’re after an interest-bearing account with less stringent requirements, compare your high-yield checking account options with additional providers.

Best free checking account

BBVA Online Checking

No monthly maintenance or ATM fees.

The BBVA Online Checking account has no maintenance fees and offers free access to more than 64,000 AllPoint ATMs. But it’s only available online and it has limited branches.

If you’re looking for a checking account with more branch locations, compare your free checking account options with other providers.

Best checking account for international travel

Charles Schwab Bank High Yield Investor Checking

An interest-bearing account with unlimited international ATM fee reimbursements.

The Charles Schwab Bank High Yield Investor Checking account earns interest, has no monthly fees, comes with free checks and offers unlimited ATM fee rebates. The downside? You’ll need to submit to a hard credit check when you apply.

If you don’t want an account that may affect your credit score, compare international account options with other providers.

Best checking account for students

Chase College Checking

Straightforward checking with perks for students.

The Chase College Checking account offers a $100 signup bonus, no monthly service fees and access to a network of more than 16,000 ATMs.

If you’re looking to grow your money with an interest-bearing account, you may want to compare what other student accounts have to offer.

Best checking account for businesses

Chase Total Business Checking

A low-fee business account with 24/7 customer support.

The Chase Total Business Checking account offers unlimited free electronic deposits alongside $5,000 in cash deposits every statement cycle. But you can only make up to 100 free transactions a month.

If you’re looking to make more than 100 transactions a month, compare business banking options with other providers.

Compare with other checking accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
A full-service account with convenient, surcharge-free access to two massive ATM networks.
0.05%
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$19/month
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees. Earn a $200 cash bonus when you add direct deposit.
0.01%
Free to use anywhere worldwide
$25/month
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by January 17, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Radius Bank Rewards Checking
Radius Bank Rewards Checking
1.20% on balances of $100,000+
1.00% on balances of $2,500 to $99,999.99
More than 20,000 ATMs + unlimited ATM surcharge rebates
$0
Earn cash back with this high-interest checking account, plus get free ATM access worldwide.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
$12/month
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
0.01%
38,000 fee-free ATMs nationwide
$0
Linked checking and savings accounts from a mobile-first bank that’s light on fees.

Compare up to 4 providers

Bottom line

There are thousands of providers offering checking accounts across the US. Knowing how to compare checking accounts with multiple providers can help you narrow your options and find the account that best fits your lifestyle.

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