These are some of the top premium checking accounts for high-earners.
Up to $3,500 Bonus:
HSBC Premier Checking
FINDER'S PICK
7
Great
Earn up to $3,500 by opening the HSBC Premier account with three different bonus offers after completing qualifying activities by December 31, 2025, and maintain the New Deposits through March 31, 2026. T&Cs apply.
$500 bonus with qualifying direct deposits
Up to $3,000 bonus with qualifying deposits and other actions
Earn up to $3,500 by opening the HSBC Premier account with three different bonus offers after completing qualifying activities by December 31, 2025, and maintain the New Deposits through March 31, 2026. T&Cs apply.
Up to $500 Bonus:
Bank of America Advantage Relationship Banking®
6
Standard
Bank of America Advantage Banking Up To $500 Cash Offer. See offer page for more details. Bank of America, N.A. Member FDIC. T&Cs apply.
The information about Chase Premier Plus Checking has been collected independently by Finder and has not been reviewed or provided by the issuer.
Earns Interest:
Charles Schwab Investor Checking
9.6
Excellent
0.05% APY on your account balance
Unlimited ATM fee rebates worldwide
No monthly fees or account minimums
9.6
Excellent
Worldwide ATM Access:
Wells Fargo Premier Checking
Dedicated Premier team
Waived fees on banking services
Preferred rates on Wells Fargo products
No ATM fees worldwide
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What is a premium checking account?
A premium checking account, or private 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 features and benefits
Premium checking accounts often come with useful perks for frequent travelers or high-balance customers.
Waived fees. By maintaining a high enough balance or meeting activity requirements, many premium accounts waive your monthly fee or fees on other accounts you have with the institution.
Earn APY. While most checking accounts don’t earn interest, many premium checking accounts do.
Travel benefits. International premium accounts frequently include perks like free currency exchanges, airport lounge access or travel insurance.
Enhanced customer service. A lot of the time, having a premium account gets you priority support or even a dedicated relationship manager.
ATM rebates. Many premium accounts offer out-of-network ATM reimbursements.
Is a premium checking account worth it?
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.
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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