6 Standard
APY | Up to 0.02% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $100 |
APY | Up to 0.02% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $100 |
So you want a premier, top-of-the-line banking experience, eh? Premium checking accounts might just be your thing.
A premium checking account can offer more perks and benefits compared to a standard checking account.
Think of premium accounts as an upgraded version of a regular account. Premium checking may include features like waived fees on other accounts, exclusive rewards programs, loan discounts, higher savings APYs and priority customer service.
But as the name suggests, premium accounts can also have premium requirements.
They’re typically designed for those who can maintain high balances to avoid costly monthly fees or even qualify for the account. While they’re not for everyone, premium checking accounts can offer great value to those who qualify.
Premium checking accounts often come with useful perks for frequent travelers or high-balance customers.
Most banks have regular checking accounts but may not offer premium options. Among the thousands of institutions, here are seven premium accounts to help you begin your search.
6 Standard
APY | Up to 0.02% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $100 |
APY | Up to 0.02% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $100 |
7 Great
APY | 0.01% |
---|---|
Fee | $50 per month |
Minimum deposit to open | $0 |
APY | 0.01% |
---|---|
Fee | $50 per month |
Minimum deposit to open | $0 |
5 Standard
APY | 0.01% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $0 |
APY | 0.01% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $0 |
6.8 Standard
APY | 0.01% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $0 |
APY | 0.01% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $0 |
APY | 0.01% |
---|---|
Fee | $35 per month |
Minimum deposit to open | $25 |
APY | 0.01% |
---|---|
Fee | $35 per month |
Minimum deposit to open | $25 |
9.6 Excellent
APY | 0.05% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
APY | 0.05% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
6.8 Standard
APY | 0.01% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $0 |
APY | 0.01% |
---|---|
Fee | $25 per month |
Minimum deposit to open | $0 |
A premium checking account can be worthwhile if you meet the balance requirements and can take advantage of the perks. These accounts are great for frequent travelers, high-balance customers or anyone who values additional rewards and benefits.
However, if you can’t meet the minimum balance or don’t need the extra features, a standard checking account might be a better fit.
Premium accounts can have high monthly fees and high balance requirements to waive fees. In some cases, you might not need the perks they offer. If premium accounts don’t feel right, consider these other top checking accounts:
Not sure a premium checking account is right for you? Compare your options with these top standard checking accounts. Narrow down your options by monthly fees, APYs and features. For a better way to compare, tick the Compare box on multiple accounts to see features side by side.
We currently don't have that product, but here are others to consider:
How we picked theseThe Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Take the time to weigh the costs and benefits based on your financial habits and goals. If none of those premium accounts are your cup of tea, compare the best checking accounts.
The biggest benefit of BCU PowerPlus Checking is its high APY, which is applied to your first $15,000. See the other pros and cons here.
Banks that offer a metal debit card include Acorns, Step, Cash App, Revolut and Crypto.com. See the pros and cons of a metal debit card here.
SoFi wins the best checking account overall, with close runners-up: Chime, Upgrade, Chase, Bluevine, Step, Varo and Capital One.
These banks don’t require ChexSystems or a credit check to open an account: SoFi, Chime, Varo, Dave Spending, Chase Secure Banking and more.
Earn a little interest without limiting your transactions. But don’t expect it to replace your high-interest savings account.
See a side-by-side comparison of our picks for the best cash-back debit cards: Varo, Bluevine, Discover, OnePay, Upgrade, Axos and PSECU.
BankMobile Vibe partners with universities and schools to make it easier to receive refunds and financial aid. See how to qualifiy here.
Chime’s checking account has almost no fees and comes with great modern banking features.
Compare the best, free online checking accounts with low fees, high APYs and great perks.
If you’ve fallen victim to debit card fraud, you may be eligible to receive a refund.