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Best Checking Accounts of May 2023

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

Up to 4.20% APY

SoFi Checking and Savings

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on SoFi's secure site

  • 1.20% APY on checking balance
  • 4.20% APY on savings with direct deposit
  • $0 account or overdraft fees
  • Get up to a $250 bonus when you set up direct deposit
  • FDIC insured up to $2M

Big cash bonus

BMO Harris Smart Advantage™ Account

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on BMO's secure site

  • $300 bonus after qualifying deposits
  • $0 monthly fee
  • Large $0 fee ATM network
  • No minimum balance
  • FDIC insured

Checking rewards & interest

PSECU checking account

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on PSECU's secure site

  • 0.20% APY
  • Up to $300 bonus when you meet promo requirements
  • Rewards on eligible purchases
  • ATM fees refunded
  • $0 monthly fees
  • NCUA insured

Compare checking accounts

Use the table below to compare accounts based on the features you're looking for.
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Rating: 4.5 / 5: ★★★★★
Bonus
SoFi Checking and Savings
$0 per month
$0
4.20% on balances of $0+
1.20% on balances of $0 to
Get up to $250 with qualifying direct deposit. Terms apply. This offer is available until December 31, 2023.
Get your paycheck up to 2 days early, plus earn up to 15% cash back at select local businesses. Earn up to $250 with a qualifying direct deposit, terms apply. Earn up to $2M of FDIC insurance through a network of participating banks.
BMO Harris Smart Advantage™ Account
Finder Rating: 4.7 / 5: ★★★★★
Bonus
BMO Harris Smart Advantage™ Account
$0 per month
$25
N/A
Get a $300 bonus when you open a new Smart Advantage account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days.
Earn a $300 cash bonus after $4,000 deposits in the first 90 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs. Member FDIC.
PSECU checking account
Finder Rating: 4.4 / 5: ★★★★★
Bonus
PSECU checking account
$0 per month
$0
0.20%
Earn up to $300: $100 when you get a savings and checking account and activate your debit card with digital banking within 30 days. $100 with monthly payroll direct deposit of $200+ within 90 days. $100 when you maintain direct deposits for an additional 90 days. Select Level Up Your Banking to see terms and get the promo.
Earn a bonus and 5 or 10 cents in rewards on all eligible purchases. Pay $0 in monthly fees, no overdraft fees and get ATM fee reimbursements. NCUA insured.
US Bank Smartly Checking
Finder Rating: 3.3 / 5: ★★★★★
Bonus
US Bank Smartly Checking
$6.95 per month
(can be waived)
$25
N/A
Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 20, 2023. Member FDIC.
Take control of your spending with integrated tools such as automated budgeting, upcoming due date alerts, low balance alerts and more, available in the US Bank Smartly Checking mobile app. Easily send and receive funds via Zelle. Waive overdraft fees by depositing money before the forgiveness deadline. Member FDIC.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
$0 per month
$0
N/A
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.
Current
Finder Rating: 4.6 / 5: ★★★★★
Bonus
Current
$0 per month
$0
4.00% on balances of $0.01 to $2,000
You and your friend will receive $50 bonuses once they open a Current Account through your invite link, or applies your referral code, and receives a qualifying direct deposit of at least $200 within 45 days of account opening.
Earn 4% APY on the first $2,000 in each savings pods. Also get budgeting tools, early direct deposit and up to 15x cashback points. All with no monthly fee or opening deposit requirement. Member FDIC.
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