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Best High Interest Checking Accounts of February 2024

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

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
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until June 30, 2024.
Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
Quontic Bank High Interest Checking
Finder Rating: 4.3 / 5: ★★★★★
Quontic Bank High Interest Checking
$0 per month
$100
1.10% on balances of $0+
0.01% on balances of $0+
Earn 1.1% APY with qualifying transactions, and pay $0 in monthly or overdraft fees. Access your account with a nationwide network of 90,000+ no-fee ATMs. FDIC insured.
Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Bonus
Axos Bank Rewards Checking
$0 per month
$50
3.30% on balances of $0 to $50,000
Use promo code AXOS300 and apply by June 30th, 2024, to earn up to $300 bonus, $50 each month you meet requirements: Make direct deposits of $5,000+ each month for the first 7 months and maintain an average balance of $7,000.
Earn up to 3.3% APY after meeting deposit and spending requirements. Get ATM free reimbursements at all domestic ATMs. Pay $0 monthly or overdraft fees. FDIC insured.
ONE
Finder Rating: 4.7 / 5: ★★★★★
ONE
$0 per month
$0
5.00% on balances of $0 to $250,000
1.00% on balances of $250,000.01+
A no monthly fee checking account that earns up to 5.00% APY and offers cashback, direct deposit and overdraft protection. See details below.
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1,151 visitors found a checking account through Finder this week.

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4.5 ★★★★★
verified_user FDIC Insured
Account APY

4.6%

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4.3 ★★★★★
verified_user FDIC Insured
Account APY

1.1%

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4.2 ★★★★★
verified_user FDIC Insured
Account APY

3.3%

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4.7 ★★★★★
verified_user FDIC Insured
Account APY

5%

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One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
5.00% APY: 5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets of customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. Customers can also earn 5.00% APY on Pay Autosave and Even Save balances. In all instances 5.00% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 9/28/2023, but may change at any time before or after account opening. Fees may reduce earnings on this account.
1.00% APY: 1.00% annual percentage yield (APY) applies only to Save balances. APY as of 9/28/2023 but may change at any time before or after account is opened. Fees may reduce earnings on this account.
No fees: For One Retail Cards purchased at an in-store retail location, A $5 One Retail Card Fee will be applied 15 days after card purchase and then every month until you apply for a One deposit account, are approved, and make an additional deposit.
ATM: Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous month. For all other ATM transactions the One ATM Fee will apply
and third-party ATM fees may be incurred.
Overdraft protection: With eligible direct deposits totaling at least $500 in the previous month. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by One. See details.
3% at Walmart To receive 3% cash back, eligible customers (at the time their purchase settles) must (i) have received $500 or more of eligible direct deposits in the previous month, or (ii) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. Terms apply.

You may also be interested in these high yield savings accounts

Earn 5.32% APY

Customers Bank High Yield Savings through Raisin

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on Raisin's secure site

  • 5.32% APY on all balances
  • $0 monthly fees
  • $1 minimum deposit

Best for ATM access

UFB Secure Savings

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on UFB's secure site

  • 5.25% APY
  • $0 monthly fees
  • Optional ATM card

Savings Alternative: Cash Account

Wealthfront Cash Account

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on Wealthfront's secure site

  • Earn 5.00% APY on all your cash
  • A cash account lets you pay bills, set up direct deposit and access ATMs
  • $0 account fees
  • $1 balance to earn interest

More guides on Finder

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