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Best Checking Accounts in 2023

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

Big cash bonus

BMO Harris Smart Advantage Account

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on BMO Harris Bank's secure site

  • $200 bonus after qualifying deposits
  • $0 monthly fee
  • Large $0 fee ATM network
  • No minimum balance

Best for minimal fees

Chime Checking account

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on Chime's secure site

  • No monthly fees
  • Get paid up to 2 days early with direct deposit
  • 24/7 support
  • No minimum balance requirements
  • Daily balance and transactions alerts

For travelers

HSBC Premier Checking

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on HSBC's secure site

  • Free global transfers
  • Premier customer support
  • Access to ATMs worldwide

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
BMO Harris Smart Advantage Account
Finder Rating: 4.7 / 5: ★★★★★
Bonus
BMO Harris Smart Advantage Account
$0 per month
$25
N/A
Get a $200 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 $200 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.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
$0 per month
$0
1.50%
Get rid of monthly fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck up to 2 days early with direct deposit.
HSBC Premier Checking
Finder Rating: 3.5 / 5: ★★★★★
Bonus
HSBC Premier Checking
$50 per month
$0
0.01% on balances of $5+
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.
Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential Checking
$0 per month
$0
N/A
Pay $0 monthly and overdraft fees, and get reimbursed for domestic ATM fees. No opening deposit or minimum balance requirement. Get your paycheck up to 2 days early with direct deposit.
Upgrade Rewards Checking
Finder Rating: 4.3 / 5: ★★★★★
Upgrade Rewards Checking
$0 per month
$0
N/A
Earn up to 2% cashback rewards on everyday purchases. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. Pair with Upgrade’s savings account to earn 3.75% APY. Get up to 20% discounts on Upgrade loans and credit lines.
Chase Total Checking
Finder Rating: 3 / 5: ★★★★★
Bonus
Chase Total Checking
$12 per month
$0
N/A
New Chase checking customers enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $200 signup bonus to new Chase customers
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