Finder's pick for checking: HSBC Premier Checking
Deposit to Open
- Up to $700 in cash back
- Earn 3% cash back on qualifying direct deposits
- Emergency cash at branches across the globe
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We’ve busted out our calculators to analyze, review and rate more than 110 checking accounts or their digital equivalents to help you compare what’s out there, whether you need your checking account to write checks, pay bills, transfer funds or withdraw cash from ATMs.
A checking account is a bank account designed for everyday spending. It allows you to pay bills, receive direct deposits, make purchases online and in-person, withdraw money at an ATM, write checks and more.
Checking accounts commonly come with:
You can quickly narrow your search for the right checking account by identifying which features are most important to you. Check out each variant below and compare each checking account option for that type.
Type of checking account
|Checking accounts||Based on our experience reviewing and rating more than 110 traditional checking or mobile-based debit accounts, this is our curated list of the best overall picks.|
|Free checking||When free and easy to use is at the top of your list, these are the accounts to pick from.|
|Interest checking||Do more with your checking and earn interest on the money that’s just sitting there waiting for bills to be paid.|
|Online checking||Without the cost burden of brick-and-mortar branches, online checking accounts can serve your needs without the fees.|
|Digital banking||Bank from your smartphone with an app-based account and debit card.|
|Second chance checking||If you’ve been in trouble with a bank before, these accounts may be able to give you a second chance to rebuild their trust.|
|Business checking||Keep your business running smoothly with a checking account tailored to the demands of the business world.|
|Student checking||Prepare your student for responsible financial management with a checking account for high school and college.|
There’s a lot to consider when choosing a checking account.
There are over 30 bank fees you may encounter while managing your money, but here are the five most common:
Most banks will allow you to open an account online. You’ll need to supply your personal information, including Social Security number, and a government ID.
To get started, visit the website of the bank you’re interested in, navigate to the application page and follow the onscreen prompts. When your application has been processed and approved, you’ll be notified and given the details of your new account so that you can transfer money into it.
Passbook accounts help immigrants in the US manage their money without paying bank fees.
A bank account for kids that helps your child develop healthy money habits early on. Powered by Greenlight.
The Nationwide Advantage checking account offers a decent APY and no fees.
No minimum balance is required, but the APY isn’t competitive with other online banks.
Get unlimited domestic ATM fee reimbursements with no minimum balance from Nationwide’s My Checking account.
Get free online banking if you use direct deposit, but with debit card transaction limits.
Small business owners can earn 1% APY with this digital checking account that accepts cash deposits.
A digital bank account for freelancers, startups and small business owners that accepts cash deposits.
Brex Cash is a cash management account for businesses, but is it right for you?
A full-service digital banking solution for startups and high-growth companies.
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