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Checking Account Finder

Compare checking accounts by fees and features to manage your money.

Compare checking accounts

We busted out our calculators to analyze, review and rate more than 110 checking accounts 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. Use this table to compare accounts by monthly fee, ATMs and minimum opening deposits.

1 - 7 of 62
Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee Offer
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
0.01% on balances of $5+
Free to use at all ATMs in the US
Get a $500 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by February 15, 2023, and set up qualifying direct deposits into the new account totalling at least $10,000 per month for three consecutive months. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.

HSBC Premier Checking offers free global transfers and 24/7 customer support.
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
3.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
60,000+ fee-free ATMs
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Axos Bank Rewards Checking
1.25% on balances of $0 to $50,000
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Upgrade Rewards Checking
Finder Rating: 4.3 / 5: ★★★★★
Upgrade Rewards Checking
Upgrade will rebate ATM fees charged by another institution up to five times a month when you meet certain conditions.
Earn up to 2% cash back on common everyday expenses, with a limit of up to $500 a year, plus 1% on other purchases
Finder Rating: 4.7 / 5: ★★★★★
55,000 AllPoint ATMs around the world for free
Earn $30 bonuses every time a friend signs up for an account and deposits at least $20 in one transaction
No monthly fees. No foreign transaction fees. No fees at 55,000+ Allpoint ATMs.
BlueVine Business Checking
Finder Rating: 4.5 / 5: ★★★★★
BlueVine Business Checking
1.50% on balances of $0 to $100,000
38,000+ MoneyPass® locations nationally
A digital account that earns 1.5% APY, offers unlimited transactions and no monthly fees.

Compare up to 4 providers

This article was reviewed by Brad Stevens, a member of the Finder Editorial Review Board and 30-year veteran of the credit industry who specializes in rehabilitating struggling banks.

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Some of the top checking account reviews we compare

What is a checking account?

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 account features

Checking accounts commonly come with:

  • A linked debit card. Usually either Visa or Mastercard.
  • ATM access. Though some accounts will charge a fee if you use an out-of-network ATM.
  • Internet banking. This feature allows you to go online to access your account details and make transactions.
  • Branch access. This feature allows you to process transactions in a bank branch.
  • Checkbook. This feature allows you to make purchases with checks.

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 each checking account option for that type.

Type of checking account


Learn more

Traditional checking accountBased 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 accountWhen free and easy to use is at the top of your list, these are the accounts to pick from.
Interest checking accountDo more with your checking and earn an annual percentage yield (APY) on the money that’s just sitting there waiting for bills to be paid.
Rewards checking accountEarn points, miles or cash back with every purchase by opening an account that offers special incentives when you spend.Compare accounts
Online checking accountWithout the cost burden of brick-and-mortar branches, online checking accounts can serve your needs without the fees.
Second chance checking accountIf you’ve been in trouble with a bank before, these accounts may give you a chance to regain the bank’s trust by improving your credit score.
Business checking accountKeep your business running smoothly with a checking account tailored to the demands of the business world.
Student checking accountPrepare your student for responsible financial management with a checking account for high school and college.
Digital bank accountBank from your smartphone with an app-based account and debit card.

9 factors to consider when comparing checking accounts

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

  1. Minimum deposits. Check if the account has a minimum opening deposit or if you need to meet a minimum ongoing balance to avoid fees.
  2. Monthly fees. Compare the fees various banks charge. Some banks charge if you don’t maintain a minimum balance, while others charge for checks, wire transfers, foreign transactions and out-of-network ATM withdrawals.
  3. Debit card. If your bank issues a debit card, find out how long it will take the bank to replace funds should your card information get stolen. Also check to see how easy it is to freeze your card and get a replacement if you lose it.
  4. ATM. If you typically need to carry cash, choose a checking account that offers access to a large ATM network and includes reimbursements for out-of-network ATM fees.
  5. Signup bonus. Some banks reward you with a signup bonus when you satisfy certain requirements, such as maintaining a $2,500 minimum balance for 90 days within opening the account. But make sure the account’s features align with your needs before opening an account with a bonus.
  6. 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.
  7. Interest-bearing or rewards. While it’s not common for checking accounts to offer interest or rewards, some checking accounts earn perks like cashback bonuses and APY.
  8. Overdraft protection. Different checking accounts have different policies regarding overdrafts and nonsufficient funds (NSF) fees. Some accounts won’t permit transactions that exceed your balance, but others will and charge up to $40 per overdraft.
  9. Early direct deposits. Several online-only accounts offer access to direct deposits up to two days earlier than they would typically land in your account. Some brick-and-mortar banks are beginning to provide this benefit.

5 most common checking account fees

There are over 30 bank fees you may encounter while managing your money, but here are the five most common:

  1. Monthly fee. The basic recurring charge to keep the account open. Not all checking accounts charge a monthly maintenance fee, and some banks will waive it when you meet certain minimum deposit requirements.
  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. 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.
  4. 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.
  5. Account closure fee. Most banks will charge you a fee of $25 or so if you close your account within 90 to 180 days of opening.

Can I open a checking account online?

Yes, most banks will allow you to open an account online. To get started, visit the website of the bank you’re interested in, navigate to the application page and follow the onscreen prompts.

If you handled an account poorly in the past that led to its closure, check your specific state laws regarding forced closed accounts. Some state laws restrict you from opening a new account for a period of time. This may require you to opt for non-bank alternatives, like prepaid cards, for a while.

What do you need to open a checking account?

To open a checking account, you typically need the following:

  1. US address
  2. Social Security number or ITIN
  3. Government-issued photo ID
  4. Phone number
  5. Email address
  6. Opening deposit

Can I open a checking account with no money?

Yes, it’s possible to sign up for a checking account without funding it. As long as the account doesn’t have a minimum opening deposit, you can open an account and add cash whenever you’re ready.

How often should I monitor my checking account?

You should monitor your checking account at least once a week. This will help you keep track of your spending, avoid bank fees and spot any fraudulent transactions you may need to report to your bank.

Checking guides

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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 can also review some tips and guides to open a business bank account.


  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 a 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.


  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.

      Learn more about the the different types of bank accounts, their benefits and what you need to consider before opening.


  4. Default Gravatar
    StephanieJuly 24, 2018

    I need help with getting me bank account setup

    • Default Gravatar
      nikkiangcoJuly 24, 2018

      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!


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