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Best Digital Bank Accounts in the US in 2023

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

Best for minimal fees

Chime Checking account

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on Chime's secure site
  • $0 monthly fees
  • Paycheck up to 2 days early with direct deposit
  • $0 minimum balance requirements
  • FDIC insured

For high APY on low balances

Current

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on Current's secure site
  • 4% APY on balances under $2,000
  • Earn cashback rewards
  • Overdraft up to $200 with no fees
  • Member FDIC

Strong cashback rewards

Upgrade Rewards Checking

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on Upgrade's secure site
  • Up to 2% cashback
  • $0 monthly & overdraft fees
  • Up to 20% discount on Upgrade loans
  • Member FDIC
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By

Cassidy Horton

Updated

Fact checked

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
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.
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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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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. Member FDIC.
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Albert Cash
Finder Rating: 4.5 / 5: ★★★★★
Albert Cash
From $0 per month
$0
0.10%
30-day free trial for Albert Genius
Albert Saving helps you set money aside for the future, whether your purchasing goals are big or small. Paid Genius subscription members enjoy perks like automated savings and annual cash bonuses. FDIC-insured through their partner banks.
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US Bank Smartly Checking
Finder Rating: 2.6 / 5: ★★★★★
Bonus
US Bank Smartly Checking
$6.95 per month
$25
N/A
New offer: Earn up to $600 when you open a new U.S. Bank Smartlyâ„¢ checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 11, 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.
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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. Member FDIC.
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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.
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