Checking Account Finder

Compare fees and features to manage your money.

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110+
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Most of the money that passes through your hands shows up in your personal checking account at some point, making it one of the most heavily used bank accounts you have. Because it’s the centerpiece of managing your financial life, we’ve busted out our caculators to analyze, review and rate more than 110 checking accounts or their digital equivalents and bring you the best of what’s out there, whether you need your checking account to write checks, pay bills, transfer funds or withdraw cash from ATMs.

Editor's pick: Chase Sapphire Checking

  • No ATM fees worldwide
  • Invest for free
  • 24/7 dedicated banking service line: 1-888-26CHASE

Editor's pick: Chase Sapphire Checking

Get a $1,000 welcome bonus when you join Sapphire Banking (terms apply).

  • Premium banking and more, designed for your life
  • Account balance earns interest
  • Up to 4 NSF fees waived each year

Compare checking accounts

Name Product APY ATMs Fee
M&T Bank EZChoice Checking
Over 1,500 M&T Bank ATMs
$0
Get $150 if you open an EZChoice M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
0.05% on balances of $100,000+
0.03% on balances of $50,000 to $99,999.99
0.01% on balances of $1 to $49,999.99
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
$24.95/month
(can be waived)
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
0.01%
Free to use anywhere worldwide
$25/month
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 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.
BBVA Online Checking
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.
Axos Bank Rewards Checking
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
$0
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
$0
No fees. Unlimited domestic ATM fee reimbursements.
HSBC Advance Checking
0.01% on balances of $5+
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
$25/month
(can be waived)
Earn 2% cash back on qualifying direct deposits (up to $30 per month and $350 total during the first 12 months) with a new HSBC Advance Checking account. Offer ends March 1, 2020. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
HSBC Premier Checking
0.01% on balances of $5+
Free to use at all ATMs in the US
$50/month
(can be waived)
Earn 2% cash back on qualifying direct deposits (up to $60 per month and $700 total during the first 12 months) with a new HSBC Premier Checking account. Offer ends March 1, 2020. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
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.
TD Beyond Checking
0.05% on balances of $50,000+
0.03% on balances of $10,000 to $49,999.99
0.01% on balances of $0.01 to $9,999.99
1,900 ATMs across the country and Canada
$25/month
(can be waived)
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
Chase Total Checking
Access to 16,000 ATMs and nearly 4,900 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 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Chime Spending account
0.01%
38,000 fee-free ATMs nationwide
$0
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
TD Convenience Checking℠
1,900 ATMs across the country and Canada
$15/month
(can be waived)
Offering digital wallet compatibility, free Zelle transfers, TD rate discounts and no fees for students and young adults age 17 to 23. But the $15 monthly maintenance fee could chip at your funds.
Consumers Credit Union Rewards Checking
5.09% on balances of $0 to $10,000
0.20% on balances of $10,000.01 to $25,000
0.10% on balances of $25,000.01 to
Over 30,000 ATMs and access to over 5,000 shared branches
$0
Earn a super high 3.09% APY on balances up to $10,000 if you receive eDocuments, make 12+ debit card purchases totaling $100+ and direct deposit $500+ each month. Earn 4.09% APY if you also spend $500+ on CCU's credit card, or 5.09% if you also spend $1,000+ on the credit card monthly.
BBVA Free Checking
1,000 fee-free ATMs across the country
$0
Pay a $0 monthly service charge and get free access to BBVA ATMs.
Chase Premier Plus Checking
0.01%
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$25/month
(can be waived)
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Zero Checking
No access to ATMs
$0
A mobile banking experience consisting of an app, a credit card called Zerocard, and a checking account called Zero Checking.
Huntington Asterisk-Free Checking
Free at more than 1,800 ATMs across the Midwest
$0
Earn a $150 bonus when you open a new account and deposit $1,000 within 60 days. Free to open and free to maintain with no monthly maintenance fees.

Compare up to 4 providers

Some of the top checking account providers we compare


Compare all accounts from 65+ banks, credit unions and brands

Common checking account fees

Knowing the common fees you might incur is the first step in avoiding them. Here’s what to look out for:

  1. Monthly fee. The basic recurring charge to keep the account open. Not all checking accounts charge a monthly fee, and some offer conditions with which to waive the fee.
  2. Overdraft fee. The penalty amount if you spend more money than the available balance in your account. Typical overdraft fees can cost up to nearly $40.
  3. Minimum balance fee. Many checking accounts require you to maintain a minimum balance or pay a fee. This is sometimes advertised as a waivable monthly fee.
  4. ATM fee. The small fee for using an ATM not included in your bank’s network. ATM fees vary country to country, but most in the US cost less than $3.
  5. Foreign transaction fee. The amount, usually a percentage, of a debit card purchase made overseas. While some checking accounts don’t charge at all, others can tack on as much as 3% of your purchase for using your card outside the US.
  6. Paper statement fee. The cost if you opt to receive a printed copy of your statement in the mail.
  7. Deposit fee. Having money deposited into your account from another bank could come with a fee.
  8. Transfer fee. The charge for transferring money out of your checking account to another bank. While automated clearing house (ACH) transfers are often free, they are days slower than the more immediate and more expensive wire transfers.

How do I compare checking accounts?

There’s a lot to consider when choosing a checking account.

  • Options for accessing your cash. Get your cash from a teller, online or from an ATM. Online banking allows you to view your account, make payments, deposits and transfers right from your computer. Many banks offer mobile apps, making online banking even more convenient.
  • What are the monthly fees and charges? Compare the fees that various banks charge. Some banks will charge if you don’t maintain a minimum balance, while others charge for using in-branch bank tellers.
  • Debit card. If your bank issues a debit card, see if it’s backed by a major credit card provider like Visa or Mastercard. This will allow you to make purchases in stores and online.
  • ATM. The quickest and easiest way to access your money is through an ATM. Some banks will charge fees for using ATMs at other banks, while others will waive them. Check the network to see how many ATMs are close to you.
  • Signup bonus. Some banks reward you right off the bat by offering a signup bonus or other incentive, most often with the requirement that you deposit a minimum amount and keep it in the account for a period of time.
  • International transactions. Larger banks with an international presence can provide you with certain services if you travel overseas, including cash withdrawals at ATMs. Check the fees for international money transfers, overseas purchases and currency conversion when looking at different checking accounts.

Types of checking accounts

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 some of the best options for that type.

Best 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.

Not banking for yourself?

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.

Checking guides

Common questions about checking accounts

Read more on this topic

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8 Responses

  1. Default Gravatar
    AryaJuly 22, 2019

    How can I open a business bank account in us for LLC? I am from India. I want to open remotely, is it possible? I can travel to the USA, if it’s impossible to open physically.

    • Avatarfinder Customer Care
      JhezJuly 23, 2019Staff

      Hi Arya,

      Thank you for your comment.

      You must meet basic eligibility requirements to open a US-based business account:

      -Valid Social Security or tax identification number
      -Valid state-issued ID
      -Valid US address
      -Sole proprietor, if applying online

      Looks like you need to ensure you have the above to open a business bank account. You may check other tips and guides to open a business bank account on this page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    jgpingarAugust 28, 2018

    I need to open a checking account in U.S.
    I am a foreig citizen, so I don’t have a Social Security Number.
    What can I do?

    • Default Gravatar
      joelmarceloAugust 29, 2018

      Hi there,

      Thanks for leaving a question on finder.

      If you relocated to the US to work or study, it is possible for you to open a US bank account. As a new arrival to the US, you may find it more difficult to meet the requirements of a bank. You’ll typically need to provide government-issued ID and a Social Security number as well as proof of your creditworthiness.

      Online banking is an option, but current laws in place to protect against money laundering could prevent you from successfully opening an account. You may find better results by talking directly with a client representative at a bank’s physical branch. You will need to confirm the requirements for the bank you’re interested in as well as gather the documentation necessary. Also ask about maintenance fees so that you can plan ahead.

      Cheers,
      Joel

  3. Default Gravatar
    LorenzoAugust 15, 2018

    Want to know what bank would be best for my needs

    • Avatarfinder Customer Care
      JoanneAugust 16, 2018Staff

      Hi Lorenzo,

      Thanks for reaching out.

      Everyone has unique banking needs. Some prefer convenience and flexibility, while others want to earn points on their purchases. One of the great things about bank accounts are they can be a short term commitment.

      Review your needs regularly to see if your bank account still meet your needs.The best bank account will help you manage your finances efficiently and reach your savings goals.

      This page will further explain the different types of accounts, their benefits and what you need to consider before opening.

      Cheers,
      Joanne

  4. Default Gravatar
    StephanieJuly 24, 2018

    I need help with getting me bank account setup

    • Avatarfinder Customer Care
      nikkiangcoJuly 24, 2018Staff

      Hi Stephanie!

      Thanks for getting in touch!

      To open a bank account, you can do this online (by visiting the website of the bank) or you can go directly to the bank’s offie and physically open an account there. May I ask for which bank account this is?

      Looking forward to your reply!

      Nikki

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